#Unified Pension Scheme all informations

[targetstudy]

What is New Unified Pension Scheme 2024: Full Details, Calculator & More

What is the New Unified Pension Scheme (UPS)?

In response to opposition to the National Pension System (NPS) and the increasing demand for the Old Pension Scheme (OPS), the central government has provided a significant benefit to its employees.

Who is Eligible for the New Unified Pension Scheme?

Under this scheme, central government employees who have worked for 25 years will receive a pension equal to 50% of their basic salary from the last 12 months of their job.

States will also have the option to adopt this model. If they do, the total number of central and state employees covered by this scheme could reach 90 lakhs.

Read More>>>

[businessviewpointmag]

Financial Inclusion and Digital Payments in India: A Revolution in Progress

India has witnessed a dramatic transformation in its financial landscape in recent years, with the twin forces of financial inclusion and digital payments playing a pivotal role. The government’s efforts, combined with technological advancements, have brought millions of previously unbanked citizens into the formal financial system. Digital payments, driven by platforms like UPI (Unified Payments Interface), have further accelerated this process, contributing to a more inclusive economy.

How Financial Inclusion and Digital Payments Are Reshaping India’s Economy?

The Push for Financial Inclusion

Financial Inclusion and Digital Payments in India refer to ensuring that individuals and businesses, particularly those in underserved areas, have access to affordable financial services, including banking, credit, insurance, and pensions. In India, the need for financial inclusion was urgent, with a significant portion of the population historically lacking access to basic banking facilities.

To address this, the Indian government launched various initiatives aimed at bringing more people into the financial fold. The Pradhan Mantri Jan Dhan Yojana (PMJDY), introduced in 2014, has been a game-changer. It provided the unbanked population with zero-balance savings accounts, debit cards, and access to overdraft facilities. As of 2023, over 500 million bank accounts have been opened under this scheme, directly contributing to financial inclusion.

PMJDY’s success has been further bolstered by the Aadhaar biometric identification system, which enables seamless and secure verification of account holders. Aadhaar-linked bank accounts have made it easier for the government to distribute subsidies, pensions, and other welfare payments directly into the beneficiaries’ accounts, eliminating middlemen and reducing corruption.

Digital Payments: The Catalyst for Change

Digital payments have emerged as the backbone of India’s financial inclusion drive. The demonetization of high-value currency notes in 2016 acted as a catalyst for the adoption of digital payment methods across the country. With the advent of affordable smartphones, internet penetration, and platforms like UPI, India has leapfrogged traditional banking methods to embrace a digital-first approach.

The UPI system, developed by the National Payments Corporation of India (NPCI), allows users to transfer money instantly between bank accounts using a mobile device. Since its inception, UPI has revolutionized the payment landscape, becoming the most widely used digital payment platform in India. In August 2023 alone, UPI processed over 10 billion transactions, reflecting its widespread adoption in financial inclusion and digital payments in India. 

The convenience, security, and interoperability offered by UPI have made digital payments accessible to people from all walks of life, including small merchants, rural households, and urban consumers. QR code-based payments, mobile wallets, and the Bharat Interface for Money (BHIM) app are just a few examples of how digital payments have become ubiquitous in India’s economy.

Empowering Citizens and Small Businesses

Financial inclusion and digital payments in India have far-reaching implications for India’s economy, particularly for marginalized communities. Access to formal banking services enables individuals to save money, build credit histories, and access affordable loans. This is crucial for rural households and small businesses, which often rely on informal credit sources with high interest rates.

Digital payments have also empowered micro, small, and medium enterprises (MSMEs), which form the backbone of the Indian economy. By adopting digital payment solutions, these businesses can expand their customer base, streamline operations, and reduce reliance on cash transactions. Moreover, digital payments provide businesses with valuable financial data that can be used to access formal credit, leading to further growth.

Challenges and the Road Ahead

While India has made significant strides in financial inclusion and digital payments, challenges remain. A large portion of the rural population still lacks access to reliable internet connectivity, which limits the adoption of digital financial services. Additionally, digital literacy needs to be enhanced, especially in remote areas, to ensure that people can safely and effectively use digital payment platforms.

To overcome these challenges, ongoing efforts to improve digital infrastructure, promote financial literacy, and encourage fintech innovation are essential. Public-private partnerships will play a crucial role in expanding the reach of financial services to every corner of the country.

The Role of Fintech in Driving Financial Inclusion

Fintech companies have emerged as crucial players in driving financial inclusion and digital payments in India. By leveraging technology, these firms have introduced innovative solutions that address the needs of underserved populations. Digital lending platforms, micro-insurance services, and app-based investment tools are enabling individuals and small businesses to access financial services that were previously out of reach.

For instance, digital micro-lending platforms provide instant credit to individuals without the need for traditional credit histories. These platforms use alternative data points such as mobile phone usage, online shopping behavior, and social media activity to assess creditworthiness, enabling more people to secure loans. Similarly, mobile-based savings and investment apps allow low-income households to save and invest small amounts, democratizing access to wealth-building tools.

Fintech innovations have also made financial transactions more secure and transparent. Blockchain technology, for example, has the potential to offer a secure and tamper-proof way of conducting transactions, making it easier for rural communities to engage with the formal financial system without the fear of fraud or mismanagement.

Conclusion

Financial Inclusion and Digital Payments in India is an important topic of discussion when it comes to studying the Indian economy. India’s journey toward financial inclusion and the widespread adoption of digital payments has been transformative. Government policies, technological innovations, and a growing digital ecosystem have combined to bring millions of people into the formal financial system. While challenges remain, the progress made so far is undeniable, and the future holds immense potential for creating a more inclusive and financially empowered society.

Found this article valuable? Explore more insights in our Business Viewpoint Magazine.

[unifiedpensionschemes]

Discover a wide range of government schemes and scholarships with our website. Get detailed information, eligibility criteria, and application processes all in one place. Perfect for students and individuals seeking financial aid and welfare support.

[bizzbuzzofficial]

Comprehensive guide to EPF services on the unified member portal

Discover the key services available on the EPFO Unified Member Portal.

The Employees Provident Fund (EPF) is a vital savings scheme for millions of Indian workers, providing financial security during retirement. To simplify access to EPF services, the Employees Provident Fund Organisation (EPFO) has developed a Unified Member Portal. This online platform allows EPF subscribers to manage their accounts, track contributions, update personal information, and more—all from the convenience of their home or office. If you're an EPF subscriber, here's a comprehensive guide to the services you can avail yourself of on the Unified Member Portal.

Accessing the Unified Member Portal

To begin using the services offered on the Unified Member Portal, you must visit the official EPFO website at epfindia.gov.in. The portal is user-friendly and easy to navigate. Here’s how to get started:

Visit the EPFO Website: Go to the official website and click on the ‘Services’ section.

Member UAN/Online Services: Select the second icon labeled 'Member UAN/Online Services.'

Login: Enter your Universal Account Number (UAN), password, and the captcha code to log in. Once logged in, you can access various services and manage your EPF account effectively.

Services Available Under the ‘View’ Section

Once logged into the portal, the first set of services you'll find is under the 'View' section. Here are the options available:

Profile: This section displays your personal profile details, including your name, UAN, phone number, and other essential information.

Service History: This feature allows you to view your employment history with different EPF-registered employers. It shows all the records of your EPF contributions during your various employments.

UAN Card: Clicking on this link provides access to your UAN card, which includes key details like your UAN number, surname, and phone number.

Passbook: Here, you can access your EPF passbook, which contains all the details of your EPF savings and contributions over time. This is particularly useful for tracking your retirement savings.

Services Available Under the ‘Manage’ Section

The ‘Manage’ section of the portal allows you to update and modify your personal and account-related details. Here’s what you can do:

 Joint Declaration: This service lets subscribers make changes to critical details like their name, date of birth, and other personal information.

Contact Details: If you need to update your contact details, such as your mobile number or email ID, this can be done here. You’ll need to verify the changes through an OTP sent to your registered mobile number, which should be linked to your Aadhaar.

KYC (Know Your Customer): In this section, you can update your KYC details, including your PAN, bank account, and passport number. It’s important to upload the necessary documents certified by your employer to make these changes.

E-Nomination: This feature allows you to nominate a beneficiary for your EPF or Employee Pension Scheme (EPS) account online.

Mark Exit: This option shows your date of joining, date of exit, and the reason for exit from your previous employer. Note that while you can view these details, only your employer can update the date of joining and exit.

Account Management

One of the essential features in the portal is account management, where subscribers can change their login password. It’s advisable to update your password regularly to maintain account security.

Online Services

The final section on the Unified Member Portal is ‘Online Services,’ where subscribers can access a variety of essential services:

Claim Forms: Here, you can access and submit various claim forms, including Forms 31, 19, 10C, and 10D. These forms are used for different purposes, such as withdrawing EPF funds, pension benefits, and more.

One Member, One EPF Account:

This service is particularly useful for subscribers who have worked with multiple employers. It allows you to transfer your EPF balance from your previous employer to your current one. Before initiating a transfer, ensure that your KYC details are fully updated.

Track Claim Status:

Once you’ve submitted a claim, you can use this feature to track its status and stay updated on its progress.

Download Annexure K: When you apply for an EPF balance transfer, you can download Annexure K. This document contains detailed information about your EPF balance and membership details, which can be important for record-keeping.

The Unified Member Portal by EPFO is a powerful tool that enables EPF subscribers to manage their accounts efficiently and conveniently. From updating personal details to tracking your retirement savings, the portal offers a wide range of services designed to make your interaction with the EPF seamless and straightforward. By taking full advantage of these online services, you can ensure that your EPF contributions are well-managed and that your retirement savings are secure. Whether you're a current employee or retired, staying engaged with your EPF account through the Unified Member Portal is essential for financial planning and peace of mind. Check out here for full story : https://www.bizzbuzz.news/ppf/comprehensive-guide-to-epf-services-on-the-unified-member-portal-1333542

[sandlerresearch]

Russia Cards and Payments - Opportunities and Risks to 2024 published on

https://www.sandlerresearch.org/russia-cards-and-payments-opportunities-and-risks-to-2024.html

Russia Cards and Payments - Opportunities and Risks to 2024

Russia Cards and Payments – Opportunities and Risks to 2024

Summary

GlobalData’s ‘Russia Cards and Payments – Opportunities and Risks to 2024’ report provides detailed analysis of market trends in the Russian cards and payments industry. It provides values and volumes for a number of key performance indicators in the industry, including cash, cards, credit transfers, and direct debits during the review-period (2016-20e).

The report also analyzes various payment card markets operating in the industry and provides detailed information on the number of cards in circulation, transaction values and volumes during the review-period and over the forecast-period (2020e-24f). It also offers information on the country’s competitive landscape, including market shares of issuers and schemes.

The report brings together GlobalData’s research, modeling, and analysis expertise to allow banks and card issuers to identify segment dynamics and competitive advantages. The report also covers detailed regulatory policies and recent changes in regulatory structure.

This report provides top-level market analysis, information and insights into the Russian cards and payments industry, including – – Current and forecast values for each market in the Russian cards and payments industry, including debit and credit cards. – Detailed insights into payment instruments including cash, cards, credit transfers, and direct debits. It also, includes an overview of the country’s key alternative payment instruments. – Ecommerce market analysis. – Analysis of various market drivers and regulations governing the Russian cards and payments industry. – Detailed analysis of strategies adopted by banks and other institutions to market debit and credit.

Scope

– In order to be on par with its European peers, in January 2019 the central bank introduced the Faster Payments System (FPS), which enables users to make fund transfers in 15 seconds using the recipient’s mobile phone number. Users can make transfers online 24/7 via their bank’s mobile or internet banking service. Following the successful launch of FPS, the central bank added QR code-based functionality to the system, enabling payments of goods and services using mobile devices. To encourage the adoption of FPS-based QR code payments, the central bank is making it mandatory for banks with a universal license to offer FPS-based QR code payment services by April 1, 2022. For systemically important banks the deadline is October 1, 2021. As of February 2021, 42 banks had launched FPS-based QR code payment functionality. – The federal law signed by the Russian president in May 2017 mandated that all public sector employees and workers who receive welfare benefits from federal or state funds must migrate to Mir payment cards from July 1, 2018, and pensioners by July 1, 2020. However, against the backdrop of COVID-19, the deadline for pensioners was extended until July 1, 2021. The government also mandated the acceptance of Mir cards at all merchant stores with annual transaction turnover of more than RUB40m ($0.5m), and at any stores that accept card payments for other payment schemes. From March 1, 2021 the threshold was reduced to RUB30m ($0.4m), and from July 1, 2021 it will be further reduced to RUB20m ($0.3m). This will accelerate payment card acceptance among merchants. – The Russian government introduced the Unified Biometric System (UBS) in June 2018. This system allows individuals to authenticate their identity using biometric parameters and access financial services remotely. Users can register for the system at bank branches, where their photo image and voice profile is captured and uploaded to UBS. Based on UBS, retailers are deploying new biometric payment methods in order to enhance customer convenience. In March 2021, Russia-based X5 Retail Group announced the expansion of its “pay with a glance” service to its 150 Perekrestok supermarkets. The company initially launched the service at a coffee shop in Moscow in 2020, in collaboration with Visa and Sberbank. It was later trialed at 52 Perekrestok supermarkets.

Reasons to Buy

– Make strategic business decisions, using top-level historic and forecast market data, related to the Russian cards and payments industry and each market within it. – Understand the key market trends and growth opportunities in the Russian cards and payments industry. – Assess the competitive dynamics in the Russian cards and payments industry. – Gain insights into marketing strategies used for various card types in Russia. – Gain insights into key regulations governing the Russian cards and payments industry.

[thisdaynews]

BREAKING:FG Lists NIN Enrolment Centres Nationwide.

New Post has been published on https://thebiafrastar.com/breakingfg-lists-nin-enrolment-centres-nationwide/

BREAKING:FG Lists NIN Enrolment Centres Nationwide.

The Federal Government has approved 173 centres and 30 state government institutions for the National Identity Number enrolment across Nigeria. This was contained in a public notice on the website of the National Identity Management Commission titled, ‘ Approved Data Capturing Agents ( Digital Identity Ecosystem)’ on Wednesday. The Nigerian Communications Commission had recently asked telecommunication service subscribers to block SIM cards not registered with NIN after two weeks. However , the House of Representatives has asked the Federal Government to extend the deadline for the provision of NIN by telcos to 10 weeks.

The House, at the plenary on Wednesday , described the two weeks given to SIM card users by the Nigerian Communications Commission to provide their NIN to service providers as grossly inadequate . The notice read , “ The Honorable Minister of Communications and Digital Economy , Dr . Isa Ali Ibrahim ( Pantami ) , has approved the licensing of 173 Agents and 30 State Governments/Public Sector Institutions to conduct enrolment of all persons including legal residents into the National Identity Database on behalf of the National Identity Management Commission . “ Pursuant to the above , find the list of all the successful firms who satisfied all the evaluation criteria as stated in the Advert for the Expression of Interest ( EOI) of each of the respective categories in full . The Commission congratulates all those who have been cleared to conduct enrollment of all persons on behalf of NIMC for data capture services .

CATEGORY A : PRIVATE LIMITED LIABILITY COMPANY 1. Adebola Sobanjo Company Ltd 2. Afritech Multiconcept Ltd 3. Airtel Network Limited 4. Aliph Technologies Ltd 5. Amex West Africa Ltd 6. AndyzInegrated Services Ltd 7. Atl Activate Tech Limited 8. Basaleh Global Services Ltd 9. Basmak Technologies Ltd 10. Bellokano . Com Ltd 11. Beu – Synergy Solutions Ltd 12. Biosec Solutions Ltd 13. Biosecureone Ltd 14. Blackstones Engineering Ltd 15. Citizen Helpline Ltd 16. Cobaz Projects Ltd 17. Cynox IT Ltd 18. Dantata Universal Services Nig Ltd 19. Datamining Company Ltd 20. Datees Global Concept Ltd 21. DavedestInegrated Service Ltd 22. Dune Engineering & Construction Ltd 23. Electronic Payplus Ltd 24. Estabet Synergy Ltd 25. Emerging Markets Telecommunications Services Limited ( 9Mobile ) 26. Etranzact 27. File Solutions Limited 28. Fingertips Enterprises Int . Partners Ltd 29. FlexisafEdusoft Ltd 30. Globacom Limited 31. Greenmozis Ltd 32. Hunter & Cook Ltd 33. Ibolda Health International Ltd 34. Interra Networks Ltd 35. Jetlink Limited 36. Joeson Consult Ltd 37. Joma Investments Ltd 38. Juads Technologies Ltd 39. Kevone Consult Ltd 40. Khahus Consulting Solutions Ltd 41. Kimberely Matt Nig Ltd 42. Knowledge Resource Ltd 43. Knowledge Square Foresight Ltd 44. Kruggerbrent & Co Ltd 45. Lasventures Global Services Ltd 46. Laukamz & Co Ltd 47. Leema Investment Nig Ltd 48. Lexington Technologies 49. Liviasoft Technologies Ltd 50. MTN Nigeria Communications Plc . 51. Multibase Investment Ltd 52. Nehemic Nig Ltd 53. Ninto Company Nigeria Limited 54. Nolia Consult Ltd 55. Nouveltech Ltd 56. NQLB Nig Ltd 57. Office Machines Nigeria Limited 58. Pandus Powell ’s Nig Ltd 59. Paychex International 60. Payvision Plus Nig Ltd 61. Pen Prime Ltd 62. Phase Point Platforms Ltd 63. Pyrich Group Ltd 64. Research and Data Solutions Ltd 65. Rhino Niger Networks Ltd 66. Samuiky Global Ltd 67. Sanstonz Consultancy Services Ltd 68. Seamfix Nig Ltd 69. Service Management Consultancy Ltd 70. Slogani Consults Nig Ltd 71. Socket Works Ltd 72. Softcom Ltd 73. Solcorn Technologies Ltd 74. Succesory Nig Ltd 75. Tech Systems Ltd 76. Tenece Professional Services Ltd 77. Thrixes Technologies Ltd 78. Unified Payment Services Ltd 79. Vantage Management Consultancy Ltd 80. VDT Communications Ltd 81. Verifix Concept Ltd 82. Verifyme Nig Ltd 83. Verse It Ltd 84. Volsus Energy Ltd 85. Xptech Power Ltd 86. YWC Technologies Ltd 87. Zebra Multi Services Ltd CATEGORY B: NON -GOVERNMENTAL ORGANIZATION AND CIVIL SOCIETY ORGANIZATIONS 1. Africa Youth Growth Foundation 2. An Nadaa Educational Foundation 3. Arrida Relief Foundation 4. Excellent World Foundation 5. Hadejia Ina Mafita Initiative Community Based Organization 6. Mimido Initiative & Development 7. Murna Foundation CATEGORY C : START- UP COMPANIES AND SMALL, MEDIUM ENTERPRISES S/ N NAME 1. AA & T Consulting Services 2. Agile Talata Enterprise Ltd 3. Andy Links GPS Data Tracking Services Ltd 4. Avas Tech Ltd 5. Azera Data Ltd 6. Babalola Olawale & Kadeba Ayodele Globacom Office 7. Data Formula Global Concept Ltd 8. De Blue Shangarilla Limited 9. Digidynamics Technologies Ltd 10. Dtrexx Continental Services Ltd 11. Ebe Data Services Ltd 12. Ekuleku Innovation System Ltd 13. Emjeh Multi- Investment Ltd 14. Gefau Global Services Limited 15. Grayhart Ltd 16. Improved Data Solutions & Information Technology Ltd 17. Joreal Nigeria Limited 18. J – Mech Distribution Ltd 19. Kable Premium Hub Ltd 20. Kamanda Global ICT International Nigeria Limited 21. Kasu Global Consult Ltd 22. Layonas Engineering Nig . Ltd 23. Legelege Entries & Travs Ltd 24. Linx Spatial Systems Ltd 25. Moriah Rock International Ltd 26. Napi Technologies Ltd 27. OAR College of Health & Technology 28. Omokhoje Sam- Jegede & Co 29. Pomade Consulting Ltd 30. Oridum Limited 31. Prestigious ICT Investment Ltd 32. Prioclen Limited 33. Primeage Success Team Ltd 34. Randaframes Engineering 35. Rayons D’ or Ltd 36. Reffi Global Ltd 37. Rovins Global Services Ltd 38. Ruks Enterprise International Global Ltd 39. Sabon Sara ICT Global Concept 40. Seas Data Resources Ltd 41. Simpson Ventures Limited 42. Spaceblog Technologies Ltd 43. Spherical GIS & RS Ltd 44. TBL Quantum Digital Tech Ltd 45. Teenth Integrated Global Services Ltd 46. UGS Technologies Ltd CATEGORY D : SMALL, MEDIUM ENTERPRISES SMES ( B 1) 1. A .F . Partnership 2. AA & MM Masterclass Enterprises 3. Abuchi Ed Ogbuchi & Co 4. Adeoye & Associates 5. Ajiboye Adeoye & Co 6. Best Internet Café 7. Bin Khalifa Global Resources 8. Friends Café & Gen Printing Services 9. Fx -Keyplus Concepts 10. Gomfid Multi Services 11. Himbell Company Ltd 12. Hub House Global Limited 13. IsahNguru Ventures 14. Jibyes Consulting 15. Jubilee Computers and Logistics 16. Kayode Ogunro & Company 17. Lukadol & Associates Ltd 18. Maydan Associates 19. Miandkay Enterprises 20. Micropro Global Comm 21. N . A . Samuelson Business Consult 22. New Age Computer CBT Enterprises 23. OAR Educational Services & Innovation Centre Ltd 24. Olusuyi Agboola & Co 25. Parity – Bit Systems 26. Pentium Paul Ltd 27. Primetouch Computers 28. Real Positive Friends 29. Stanford Exclusive Associates Ltd 30. Taju Audu & Company 31. Theo ICT Integrated 32. Yudee Integrated Resources 33. Zincom Technology PUBLIC SECTOR INSTITUTIONS – STATE GOVERNMENTS 1. Abia State Government 2. Adamawa State Ministry of Special Duties 3. Akwa Ibom State Ministry of Science & Technology 4. Cross River State Government 5. Delta State Ministry of Economic Planning 6. Ebonyi State Ministry of Information & State Orientation 7. Gombe State Government 8. Lagos State Residents Registration Agency 9. Kaduna State Residents Registration Agency 10. Katsina State Institute of Technology and Management 11. Kano State Ministry of Special Duties 12. Nigeria Postal Service 13. Ogun State Government 14. Oyo State Ministry of Finance 15. Sokoto Investment Company Limited 16. Zamfara State Government PUBLIC SECTOR ORGANIZATIONS 1. Abuja Enterprise Agency 2. Central Bank of Nigeria (Nigeria Inter – Bank Settlement Systems Plc ) 3. Corporate Affairs Commission 4. Defence Space Administration 5. Economic and Financial Crimes Commission 6. Independent National Electoral Commission 7. Joint Tax Board 8. Military Pensions Board 9. National Agricultural Extension & Research Liaison Services 10. National Commission for Refugees , Migrants & Internally Displaced Persons 11. National Health Insurance Scheme 12. National Pension Commission Nigeria Communications Commission 13. National Population Commission 14. Nigerian Postal Service

FG lists NIN enrolment centres nationwide

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[weelectronicstudentreviewstuff]

Atal Pension Yojna subscribers can use this app for checking balance, download transaction statement and more | Personal Finance News

Atal Pension Yojna subscribers can use this app for checking balance, download transaction statement and more | Personal Finance News

New Delhi: UMANG (Unified Mobile Application for New-age Governance) app has tweeted that subscribers of Atal Pension Yojna (APY) can obtain all the information related to the pension scheme on the app.

Users must update the latest version of the app or they can also give a missed call to 97183-97183 for updating the app.

UMANG app India has tweeted:

#NewOnUMANG| अटल पेंशन योजना एक सरकार…

[redappletech]

Streaming Popularity of Government Mobile Apps Development in India.

The digital India campaign was launched in India in the year 2015 which has given rise to digital literacy on a large scale leading to the consecutive online development of various traditional sectors with Farming, Health, Education, Business and communication being the prime focus. Our government is answerable to a bulk mass thereby its been a challenge to reach out to the masses on a large scale within a short period. Lack of communication, resources, and infrastructure has been a long-run debate on governmental policies and decision making. Well! Today with the advent of smartphones rising industry these challenges are a myth as on the digital platform a lot of unsolved problems for decades can be in the limelight with a featured mobile app that can be developed by a reputed mobile app development companies in India.

Today, with mobile apps like Unified Mobile Application for New-Age Governance (UMANG), more than 300 government services and schemes are available in the palm of every citizen. Through services such as telemedicine and tele-law, medical and legal advice are available to every citizen. Services like e-hospital and online registration allow citizens to schedule appointments in top referral hospitals without any hassle.

Health apps like NHP Swasth Bharat mobile app is an android based app that empowers the citizens to find reliable and relevant information regarding health, lifestyle diseases, symptoms, and cure. In short, it's a gateway to authentic health information.

https://www.nhp.gov.in/mobile-app-swasth

Farming app Kisan Suvidha is an omnibus mobile app developed to help farmers by providing relevant information to them quickly. With a click of a button, they can get the information on the weather of the current day and the next 5 days, dealers, market prices, agro advisories, plant protection, IPM Practices, etc. Unique features like extreme weather alerts and market prices of commodities in the nearest area and the maximum price in the state as well as India have been added to empower farmers in the best possible manner.

https://mkisan.gov.in/

Pilgrim travel guide app Haj Sathi is a Mobile App launched by the West Bengal State Haj Committee, Government of West Bengal to help our Haj Pilgrims for Safar-e-Haj. Through this app the pilgrims can get the details of their status, as well as WBSHC, can directly share the Guidance, Arrangements, and Notices to the pilgrimsFAQs, Photo Gallery and Notification are easily accessible through this app.

https://www.redappletech.com/haj-sathi/

Educational app epatshala this app is a joint venture of the Ministry of Human Resource Development (MHRD), Govt. of India and National Council of Education Research and Training (NCERT). It contains eBooks access for students, teachers, and parents across all platforms. Downloadable eBooks with features such as zoom, bookmark, highlight, navigate and share. 

http://epathshala.nic.in/d

Startup app business app - This Mobile app is Launched by Govt of India to support the Startup in India. The mobile app provides day to day info on various notifications/ circulars issued by different Govt ministries/ dept, towards making a favorable environment for Startups.

.https://www.startupindia.gov.in/

Communication app is the talk of the government to launch a governmental based WhatsApp app India may have plans to follow France’s footsteps in building a chat app and requiring government employees to use it for official communications.

CONCLUSION- This article put forward a list of core Government based app for various wholesome purposes. Unlike the development of the private app by private app development companies, governmental apps are making a huge market. The main criteria of any governmental app are to ensure the seamless delivery of digital services, a growing network of 3.10 lakh common service centers (CSCs), covering some 2.15 lakh gram panchayats, are providing more than 300 digital services ranging from insurance and pensions to banking and digital payments.

[newstfionline]

A Year Later, Promises of Brazil’s Temer Are on Hold or Lost

AP, May 11, 2017

BRASILIA, Brazil--One year ago Friday, then Vice President Michel Temer took over Brazil’s presidency from Dilma Rousseff, who was suspended and later permanently removed from office after a brutal impeachment fight that exposed deep divisions in Latin America’s largest nation.

In his first speech to the nation, the career politician known for his deal-making skills in Congress promised to unify Brazil and pull the economy out of recession. Below are excerpts of that speech and a look at what has happened with those promises.

“My First Word To The Brazilian People Is Trust.” Brazilians don’t trust Temer, according to numerous polls. In the most recent by the Datafolha Institute, only 9 percent approve his job performance a year into office, four points below Rousseff at the time she was suspended. Seventy-one percent of those polled reject the reforms he is proposing. If he ran for re-election in 2018, only 2 percent would vote for him, according to the poll, which interviewed 2,781 people April 26-27 and had a margin of error of two percentage points.

However, there is a small improvement in trust in the economic recovery. According to think tank Fundacao Getulio Vargas, consumer confidence stood at 82 points in April, nine points higher than the same month one year ago. A business index points to a 0.5 percent growth of the economy in 2017. By comparison, Brazil’s gross domestic product contracted 3.6 percent last year.

“It Is Urgent To Pacify The Nation And Unify Brazil.” In addition to low approval ratings, Temer has struggled to muster support anywhere outside Brasilia or achieve social peace and unity. His attempts to overhaul labor laws and the pension system triggered Brazil’s first general labor strike in 20 years. He has faced protests throughout the year, and was jeered at the opening and closing ceremonies of the Rio Olympic Games.

Temer’s bid to unify Brazilians was also undermined by his initial appointment of a Cabinet of all white men, underscoring racism and sexism in a country where more than half identify as black or mixed race. He has since added two women to the Cabinet. However, what many Brazilians interpreted with his initial appointments--that the government was by and for the white elite--has largely stayed with his administration.

To his credit, Congress is considering major legislation in several areas. That is a big improvement compared to the end of Rousseff’s time, when most activity in Congress had come to a halt.

“Citizens, However, Will Only Have Jobs If The Industry, Commerce And Service Sectors Are Doing Well.” Brazil had 11 million unemployed people when Temer took over. Now there are 14 million. Brazil’s minimum wage was only adjusted for inflation this year, the first time its buying power hasn’t been raised since 2003. It is now $295 a month, very little in an expensive country.

Businesses have yet to find much reason for excitement. Industrial output, which measures the amount of goods produced and services acquired by manufacturers, grew 1.1 percent in March, compared with the same month in the previous year.

Inflation has fallen sharply under Temer, from more than 10 percent to around 5 percent. However, economists say the underlying cause is that Brazilians are not buying. From January 2016 to January of this year, retail sales dipped 5.9 percent, according to government figures.

“We will keep social programs. These projects worked well.” Temer’s administration has cut or blocked 1.1 million families from the flagship social program Bolsa Familia, or Family Purse. The program provides a small income to poor families who send their children to school and keep them under a doctor’s supervision, according to government figures.

Data released to The Associated Press after a request was made under Brazil’s freedom of information law shows that most cities affected by cuts to the Family Purse program were based in the poorest regions of Brazil, the north and northeast. Those areas are strongholds of Temer’s adversaries, including former President Luiz Inacio Lula da Silva, the leader in opinion polls on the 2018 election.

“The ‘Car Wash Operation’ (Investigation) Has Become A Reference And, As Such, It Must Be Protected.” At least publicly, Temer has been careful not to appear to be trying to derail the mega-investigation into billions of dollars in kickbacks to politicians and other public officials for the awarding of construction contracts. Over the last three years, dozens of Brazil’s top business executives and politicians have been jailed in the probe.

At the same time, eight of Temer’s Cabinet ministers are currently being investigated for corruption related to Brazilian construction company Odebrecht, one of the central companies that participated in the kickback scheme. Temer has said he will only fire them if they are charged.

Temer himself has been fingered in the probe for allegedly receiving illegal campaign contributions. He denies wrongdoing and as sitting president can be tried only for crimes committed during his presidency.

[courtneytincher]

Thomas Cook collapse: Chaos at airports as fleet scrambled to bring 150,000 stranded UK holidaymakers home — latest news

Thousands left stranded abroad as Thomas Cook collapses Oliver Gill: The airline bosses who will welcome Cook’s fall The Thomas Cook bosses who received £20m in bonuses in last 5 years as company collapsed Thomas Cook collapse: is my holiday safe? Have your travels been disrupted by the Thomas Cook collapse? Share your experience by emailing yourstory@telegraph.co.uk We’ll keep you updated throughout the day About 150,000 Britons have had their travel plans thrown into disarray after the collapse of Thomas Cook, leading to chaos in airports and hotels. The 178-year-old travel giant has cancelled all its flights, leading the government to initiate its biggest repatriation effort since the Second World War. A rescue fleet has been scrambled to bring back holidaymakers stuck overseas. Codenamed Operation Matterhorn, dozens of charter planes, from as far afield as Malaysia, have been hired to fly customers home free of charge. The company’s 21,000 employees — around 9,000 of whom are UK-based — have lost their jobs, with 600,000 people worldwide having their travel plans disrupted. Thomas Cook  collapsed into liquidation overnight , a failure that consigns the most iconic name in world travel to the annals of history. Thomas Cook collapse | Read more Richard Moriarty, the chief executive of the UK Civil Aviation Authority (CAA), said the Government had asked his organisation to launch “the UK’s largest ever peacetime repatriation”. In a statement, the CAA said: “Thomas Cook Group, including the UK tour operator and airline, has ceased trading with immediate effect. “All Thomas Cook bookings, including flights and holidays, have now been cancelled.” 12:02PM Political row begins over whether Thomas Cook should have been bailed out Prime Minister Boris Johnson boarding his plane at Heathrow Airport as he heads off for the annual United Nations General Assembly in New York Credit:  Stefan Rousseau/ PA Boris Johnson has defended his decision not to to rescue Thomas Cook, after Labour called for the collapsed tour operator to be given a state-backed bailout package. Speaking to reporters as he traveled to New York to visit the UN General Assembly, Mr Johnson said of Thomas Cook’s rejected request for £150m from the state: Clearly, that’s a lot of taxpayers’ money and sets up, as people will appreciate, a moral hazard in the case of future such commercial difficulties that companies face. The Prime Minister instead said attention should be paid to the amount the travel giant’s bosses have been paid in recent years. Labour Shadow Chancellor John McDonnell accused the PM of “ideological bias”. He told the BBC: The government’s intervention could have enabled us to just stabilise the situation, give a breathing space so that there could be proper consultation with the workforce in particular about how to go forward. To just stand to one side and watch this number of jobs go and so many holidaymakers have their holiday ruined, I just don’t think that’s wise government. Meanwhile, Scotland’s First Minister, Nicola Sturgeon, has offered her thoughts to those people who have lost their jobs.  Inevitable that much of the focus today will be on those who have had flights cancelled, but the Thomas Cook collapse is devastating for the company’s many workers. My thoughts are very much with them and their families. https://t.co/KPz2ZTBCxy— Nicola Sturgeon (@NicolaSturgeon) September 23, 2019 11:49AM Train services offer free tickets to affected customers Network Rail’s train services are holding a unified line on travel disruption today, offering customers who have had their holiday plans foiled a free ticket to get back from the airport: Following the collapse of ThomasCook we want to support those impacted who may already have plans to travel to or from @LDNLutonAirport or @Gatwick_Airport. If you have bought rail tickets from us & no longer travelling, you'll be able to get a full refund (with no admin fee).— Thameslink (@TLRailUK) September 23, 2019 Following the collapse of ThomasCook we want to support those impacted who may already have plans to travel to or from @LDNLutonAirport or @Gatwick_Airport. If you have bought rail tickets from us & no longer travelling, you'll be able to get a full refund (with no admin fee).— Great Northern (@GNRailUK) September 23, 2019 Any customers affected by the ThomasCookcollapse who are unable to make their booked train will be permitted to travel on the next suitable service by providing reasonable evidence of a Thomas Cook booking.— GWR Help (@GWRHelp) September 23, 2019 11:44AM Tunisian tourism minister: Thomas Cook owes hotels £60m Tunisia’s tourism minister, Rene Trabelsi, has told Reuters that Thomas Cook owes hotels in the country €60m for stays in July and August. It’s likely we’ll be getting a clearer sense of the company’s widespread debts as the day continues... 11:36AM ‘We woke up this morning and heard on the news that Thomas Cook had gone bankrupt’ John Garrett and Ajoulyn Chaffe arrived at Gatwick to find Thomas Cook had gone bust as they were flying Credit:  SWNS More testimonials from the wires: American couple John Garrett, 40, and Ajoulyn Chaffe, 35, arrived at Gatwick to find Thomas Cook went bust while they were in the air. Holidaymakers who had booked with Thomas Cook were ‘devastated’ when they turned up at Gatwick this morning to find their trips had been cancelled. Among them were Jerry Blackwell, 47, who said he and his wife were scheduled to fly to Dalaman in Turkey at 5.15pm yesterday. Mr Blackwell said: “We went to the boarding gate and someone said it was cancelled due to staff illness so we got put up in a Premier Inn last night and were meant to fly out at midday. “We woke up this morning and heard on the news that Thomas Cook had gone bankrupt.” Read more here: Thomas Cook collapse: Misery across Europe as stranded Britons wait for repatriation 11:30AM Thomas Cook staff pensions  ‘are protected’ People leaving Thomas Cook’s Peterborough headquarters Credit:  Joe Giddens/ PA Thomas Cook staff who have lost their jobs today will have their pensions protected, according to the Pension Protection Fund — a statutory fund intended to protect members if their defined benefit pension fund becomes insolvent. We understand this is an extremely difficult time for the members of @ThomasCookUK’s defined benefit pension schemes, but they can be assured that their pensions are protected by us. To find out more about the PPF and the protection we provide, see here. https://t.co/bGssuroVSr— Pension Protection Fund (@PPF) September 23, 2019  The PPF says it will be contacting Thomas Cook employees today: To all members of the @ThomasCookUK defined benefit pension schemes, your pension trustees will be in touch soon with an update on your scheme. To understand how the PPF works and protects your pension click here https://t.co/X74NtvKvkV— Pension Protection Fund (@PPF) September 23, 2019 11:27AM Petition to bail out Thomas Cook nears 70,000 signatures  AChange.org petition to calling for the Government or a plucky investor to re-finance the collapsing tour operator is edging closer to 70,000 signatures. The petition, created by a Thomas Cook employee’s husband, says: The iconic travel firm, the oldest travel firm, Thomas Cook has made dream holidays for us all and we have made so many memories, had work experiences and met so many great people that had effect in our lives. Thomas Cook is one of Britain's most well known brands. I so believe the company will come good again once this financial problems have been resolved.  Let’s help our Thomas Cook at this difficult times.  If the Government or any other lenders help to fund shortfall of money then the future will be bright. 11:15AM Have your travels been disrupted by the Thomas Cook collapse?  Share your experience by emailing yourstory@telegraph.co.uk 11:09AM Final flight eyewitness: Clear staff had been left ‘in total limbo’ Passengers exit the final Thomas Cook passenger flight, which landed at Manchster Airport this morning Credit: OLI SCARFF/ AFP A passenger on one of the last ever Thomas Cook flights to fly has  described how emotional staff broke news of the company’s collapse when they landed this morning. From the wires: Jason Ritchie, 50, was onboard a Thomas Cook flight from Orlando to Manchester with his wife Sharon, 49, when staff announced the company’s closure this morning. Their flight took off at 12:30am UK time, half an hour after the travel company's collapse as staff rushed to get the flight off the ground. Jason, from Nottingham, said: “We were just landing at Manchester Airport at 8:30am when the cabin crew announced that Thomas Cook had collapsed. “We were due to set off from Orlando at 7:15PM local time on 22 September, and only experienced a 10 minute delay in taking off from there. “When the staff announced what had happened, they sounded emotional and it was clear they'd been left in total limbo with no more information themselves on what we'd been told. “I spoke to one of the cabin crew who said they’d heard nothing from head office, and hadn’t even spoke to their family — they had no idea where they stood with their jobs.” 11:02AM Ex-affiliate Indian airline caught in crossfire  Thomas Cook India — which exited Thomas Cook seven years ago and now has no relationship to the collapsed group beyond its name — has nonetheless seen its share price suffer from rough headlines around the travel giant in recent days. The company has taken to Twitter to try and clear up the confusion: Thomas Cook PLC (UK) has no relationship with Thomas Cook India as we were acquired by Canada based Fairfax Financial Holdings (Fairfax) in 2012. We are completely independent of Thomas Cook UK & hence the news of their situation does not impact us. https://t.co/8hszrYqI69— Thomas Cook India (@tcookin) September 23, 2019 10:54AM Turkey prepares support package for impacted customers Authorities in Turkey,  have warned hotels not to evict affected customers or demand money from them: Turkish Culture and Tourism Ministry warns hotels in Turkey: If you demand payments from tourists or evict them from their hotel rooms due to ThomasCookCollapse, you will be prosecuted. https://t.co/TQExCGbZ27— Yunus Emre Oruç (@defusertt) September 23, 2019 Turkish tourism ministry also announces that they're working with the Finance and Treasury Ministry to provide a support package for the establishments affected by the collapse. ThomasCookCollapse— Yunus Emre Oruç (@defusertt) September 23, 2019 Here’s a video purportedly from on board the final Thomas Cook flight: Dedicated Thomas Cook staff on last flight ��so sad @GMBpic.twitter.com/QT8kIPb71A— Gill (@Gill99287213) September 23, 2019 10:48AM Short-sellers set to win out from Thomas Cook’s collapse One group who will be smiling today are Thomas Cook’s short-sellers: investors who had placed a financial bet that the company’s share price would fall. Around 11pc of the company’s shares were being shorted according the most recent filing to the Financial Conduct Authority, with the biggest short positions held by TT International and Whitebox Advisors. Thomas Cook: Share price 10:39AM Condor and Thomas Cook split on number of stranded Germans A Condor airlines plane, part of the Thomas Cook Group, is seen at the Heraklion airport on the island of Crete Credit:  STEFANOS RAPANIS/ REUTERS Other than the 150,000 Brits stranded abroad, it looks like another big chunk of the 600,000 customers left in the lurch by Thomas Cook’s collapse may well be German holidaymakers. A few minutes ago, the travel company said there are 140,000 people abroad who are currently travelling with its subsidiaries in Germany. But Condor, its biggest German subsidiary, says around 240,000 are booked on its flight and awaiting a return home. I’m sure more clarity will be forthcoming, but it looks like Germans will be feeling the disruption at least as much as Brits. 10:31AM Scenes from around the world as travel giant collapses Photos are pouring in from across the world as the aftershocks from Thomas Cook’s collapse spread: A British Government official speaks with Thomas Cook passengers at Son Sant Joan airport in Palma de Mallorca Credit: JAIME REINA/AFP People line up in front of a counter of Thomas Cook at the Heraklion airport on the island of Cret Credit: STEFANOS RAPANIS/REUTERS Office workers outside the Peterborough headquarters of the 178-year-old tour operator Credit: Joe Giddens/PA The last Thomas Cook flight, coming from Orland, US, arrives in Manchester Credit:  Gareth J. Bond via REUTERS John Garret from Boston, Massachusetts. who was supposed to be flying to Malta takes a photo of the empty Thomas Cook check in desks in Gatwick Airport Credit: Alastair Grant/ AP A British Government official assists passengers at Manchester Airport Credit: PHIL NOBLE/REUTERS 10:17AM Liquidation will have ‘major impact for the high street’ Thomas Cook has 588 high-street stores Credit: Chris Ratcliffe/Bloomberg Thomas Cook’s collapse, as well as putting 9,000 people out of work in the UK, will also have a major impact on the nation’s high streets. Joanne Fearnley, partner and commercial property expert at law firm Gordons, says: We must not forget in all of this that there is a major impact for the high street too. Thomas Cook has 588 stores which will inevitably close, a further blow for landlords already suffering from a number of high-profile closures and collapses. It’s another massive blow for the UK high street and underlines the need for imaginative change. Crash landing: Thomas Cook in numbers 10:13AM Thomas Cook collapse: Everything customers need to know People walk in front of a counter of Thomas Cook at the Heraklion airport on the island of Crete Credit:  STEFANOS RAPANIS/REUTERS  Telegraph Money have all the key info customers need about how Thomas Cook’s collapse could impact them: What happens to Thomas Cook flights and holidays? Everything customers need to know Here are some of the key points: Will my holiday be affected?  The good news is that Thomas Cook package holiday customers will not be left out of pocket because these holidays are protected by the company’s Air Travel Organiser’s Licence, or Atol. What kind of compensation will I get and when? Atol will step in to help with either a refund or a replacement holiday. Martyn James, of consumer champions Resolver, said: “If you’ve booked a packaged holiday with a flight, then Atol can help with disputes and cancellations.”  What if I'm already abroad? Will my return flight be cancelled?  Even if you were stuck abroad, you will get whatever help you needed to enjoy your holiday then return home. The Government has promised to ensure that all British travellers who were due to fly back within the next two weeks are brought home free of charge. Is my hotel booking protected? Martin Lewis, founder of website MoneySavingExpert, said those who’ve already paid for their hotels abroad as part of a Thomas Cook package shouldn’t pay again. But, he added, “that won’t stop a few uncertain and scared hoteliers overseas wanting money directly from British travellers to be doubly sure. This could leave British tourists in sticky situations. If so, the Civil Aviation Authority has a helpline which should sort it for you.”   9:59AM Liverpool FC ‘assessing the impact’ of Thomas Cook collapse on hospitality packages Liverpool fans can buy hospitality packages from Thomas Cook Credit: Andrew Powell/Liverpool FC Among its multi-faceted operations, Thomas Cook sells Liverpool fans hospitality packages to attend the club’s home games at Anfield. Liverpool FC said in a statement: We are currently assessing the impact of Thomas Cook ceasing trading and the impact for those supporters who have purchased packages from Thomas Cook. Once we have those details from Thomas Cook we will update supporters. 9:54AM First rescue flight sets off from JFK Airport The first rescue flight as part of Operation Matterhorn has taken off from New York’s Matterhorn Airport carrying “over 300 passengers”, the CAA says: The first Civil Aviation Authority repatriation flight has now left JFK, headed for Manchester with over 300 passengers on board. It is estimated to arrive at 5PM today. If you have been impacted by ThomasCook ceasing trading, please visit our website:https://t.co/g4G2b6RlHcpic.twitter.com/pfVPG6bL6Y— UK Civil Aviation Authority (@UK_CAA) September 23, 2019 9:52AM Newlyweds’ honeymoon plans ruined after flight is cancelled News agency SWNS reports: A honeymoon couple were among tens of thousands of people whose holiday plans have been scuppered by the collapse of Thomas Cook. Jane and Richard Dawson, who tied the knot on Friday, stayed at a hotel at Gatwick Airport overnight in preparation for their ten-hour flight. But the newlyweds, from Peterborough, Cambridgeshire, where the world’s oldest travel operator was based, woke up to find that their flight to Jamaica had been cancelled along with hundreds of others. Jane and Richard, who were due to fly at 11.45am today, were told to go home by airport staff. 9:44AM Thomas Cook’s final passenger flight lands Sky News has footage of the last-ever Thomas Cook flight landing at Manchester Airport, just over an hour ago: BREAKING: The last Thomas Cook passenger flight lands at Manchester Airport after the company collapsed following failed rescue talks. Get the latest on the ThomasCook collapse here: https://t.co/3Hgpl7YJkQpic.twitter.com/65sibJ4CO7— Sky News (@SkyNews) September 23, 2019 9:42AM Stranded customers: ‘The hotel next door shut the gates and wouldn’t let people leave’ An airport worker speaks with passengers of the British travel group Thomas Cook at Son Sant Joan airport in Palma de Mallorca  Credit:  JAIME REINA/ AFP Around 600,000 people, including 150,000 Brits, have had their travel plans thrown into chaos by Thomas Cook’s collapse. My colleagues have been gathering stories from those affected: Danielle Rutherford, on holiday in Tunisia told BBC’s Today programme: “We haven’t been told anything by Thomas Cook.  “The hotel have said we shouldn’t have to pay, but we don’t leave until Friday so we don’t know. My husband and I were told on Saturday that we had to pay £4,000.  “The hotel next door shut the gates and wouldn’t let people leave. We hope to be able to carry on our holiday and not worry about it.” Read all their stories here: Thomas Cook collapse: Misery across Europe as stranded Britons wait for repatriation 9:32AM MP: Collapse is ‘devastating news’ for Greater Manchester Labour’s Lucy Powell, MP for Manchester Central, tweets: With over 3,000 people in Greater Manchester employed by Thomas Cook, its collapse will have a massive impact on families and communities here. This is devastating news. https://t.co/89NzP2cHfI— Lucy Powell MP (@LucyMPowell) September 23, 2019 9:29AM Thomas Cook: a timeline How did Thomas Cook end up entering liquidation after 178 years in operation? Our timeline charts the key event in the travel group’s history: Thomas Cook timeline 9:28AM ‘Gutted doesn’t cut it’ Some of Thomas Cook’s 9,000 UK staff are speaking out on social media, sharing their memories of working at the company. It was a short lived journey with Thomas Cook, but it was a job I wanted and loved. My heart goes out to my store colleagues and to all staff with Thomas Cook. Gutted doesn’t cut it�� pic.twitter.com/LuYcEGCHT7— molly ranger (@mollyroseranger) September 23, 2019 9:23AM Thomas Cook’s German subsidiary seeks emergency loan Travellers queue up in a Condor check-in service at the Frankfurt Airport Credit:  KAI PFAFFENBACH/REUTERS Condor, Thomas Cook’s subsidiary in Germany, will continue flying but has requested financial aid from the German government. AFP reports:  Condor, the German airline subsidiary of British travel giant Thomas Cook, said Monday it was requesting financial aid from Berlin to help keep it in the air even after its parent company declared bankruptcy. Underlining that it had been “profitable for many years,” the airline added that “to prevent liquidity bottlenecks at Condor, it has applied for a state-guaranteed bridging loan” which is being examined in Berlin. “We’re continuing to concentrate on what we do best: flying our guests safely and punctually to their holidays,” said managing director Ralf Teckentrup. 9:19AM Swiss chalet group: Matterhorn code name is damaging for Switzerland A tightrope walker in front of the Matterhorn mountain Credit: Dominic Steinmann/Keystone A Swiss chalet operator has raised concerns that Operation Matterhorn, the government’s codename for its operation to repatriate Thomas Cook customers, could cast aspersions upon Switzerland (home of the Matterhorn mountain, in the region of Zermatt). Matterhorn Chalets’ Ed Mannix told the Telegraph: I think you will agree that whilst the Matterhorn is essentially Zermatt’s trade mark as well as Switzerland’s de facto national icon, any association with the calamitous financial failure of Thomas Cook cannot be good for us here. In the circumstances, can anything be done on an official level to protect the reputation of Switzerland, possibly the world’s most financially secure country, and Zermatt, home of the Matterhorn and it’s most well-known known tourist destination? 9:11AM Staff ‘in tears’ at Thomas Cook headquarters  People walk outside the Peterborough headquarters of Thomas Cook Credit: Joe Giddens/ PA Thomas Cook’s collapse is a tragedy for staff at its headquarters in Peterborough, who are set to lose their jobs as the company enter liquidation. Reuters reports: Thomas Cook staff were seen hugging each other in tears at its headquarters in Cambridgeshire this morning — after the holiday company collapsed. Hundreds of employees have been seen heading into the offices at Lynch Wood in Peterborough for a 10am meeting about the compulsory liquidation, which happened this morning after a weekend of talks to save the company. Many looked tearful as they arrived at the headquarters, which employs around 1,000 people. Scene at Thomas Cook HQ Peterborough where around 1000 employees are learning of their fate after the company collapsed after 178 years, more on @BBCCambs 95.7/96fm 1026mw DAB Freeview 722. pic.twitter.com/bNU66bS6hW— John Devine (@JohnDevine1961) September 23, 2019 9:07AM Travel rivals’ shares climb after collapse Shares in rival TUI are up around 7pc Credit: Eric Greer/Boeing Thomas Cook’s collapse is paying off for other travel firms, with rival TUI soaring nearly 7pc up as the biggest climber on the FTSE 100 share index. Easyjet, on the FTSE 250, is up just under 6pc. Other airlines such as Wizz Air, IAG, Lufthansa and Air France-KLM are all gaining. RIP Thomas Cook. From a TUI fan. Airline rivalry means nothing on a day like this— Richard Wilson (@richwilson26) September 23, 2019 You’re never too big to fail. Last year, Thomas Cook bought in £9.5billion in revenue. Today, they collapse in disgrace. Another reminder to stay humble. Feel sorry for staff and those stuck abroad.— Austin (@AustinDarbo) September 23, 2019 So guess who was flying with Thomas cook to NYC ���� in less than 3 weeks time... yes that’s me ����— Georgie Higginson (@Georgina_higg) September 23, 2019 8:56AM CAA chair: ‘Every single person will be brought back home’ Dame Deidre Hutton Credit:  Jane Mingay/The Daily Telegraph The Civil Aviation Authority’s chair Dame Deidre Hutton has told the BBC that all Thomas Cook customers will be brought back home once their holidays finish. She said: Every single person will be brought back home at the end of their holiday... Everyone will be brought home free of charge. 8:46AM MoneySavingExpert: What Thomas staff who have been made redundant should do now Martin Lewis from MoneySavingExpert has offered his sympathies to Thomas Cook staff who will lose their jobs due to the company’s collapse, tweeting: Im v sorry for all Thomas Cook staff; horrid night 4u. Youll get specifics of your situation from the administrators.. For provisional reading, there is info in our redundancy guide - incl claiming wages off the NI Fund https://t.co/E5WmSRR5cN— Martin Lewis (@MartinSLewis) September 23, 2019 8:43AM More reaction from Twitter... ...it looks like lots of customers had close calls: We got lucky... we flew with Thomas Cook in June when the talks of liquidation started. I feel so bad for everyone who’s stranded RIPThomasCook— Manika�� (@swiftlymanika13) September 23, 2019 Close call. Booked a holiday very recently after looking at the options. Nearly chose Thomas Cook as the service was so great but the firm couldn’t match the price offered by a local travel agent. Am feeling lucky for me, but very sorry for everyone caught up in the chaos.— Alan Dapré (@AlanDapre) September 23, 2019 Girlfriend was cabin crew with Thomas cook. Looked after passengers last night knowing not getting paid. Lost her job, company have abandoned her in Newcastle to find own way back to Cheshire. Other crew kicked out of hotels overnight. Who is looking after them @MC_HMGovernment— Radio Free Salford (@salfordpf) September 23, 2019 8:32AM Thomas Cook’s Twitter support page has shut down Thomas Cook Cares, the account through which the travel giant fields customer questions, has officially shut down, and will no longer be monitored.  We are sorry to announce that Thomas Cook has ceased trading with immediate effect. This account will not be monitored. Please visit https://t.co/PLklUd1C7q for further advice and information.ThomasCookpic.twitter.com/jnYvg8jpV3— Thomas Cook Cares (@ThomasCookCares) September 23, 2019  The dedicated page for customer service support, run by the CAA, is here:  8:30AM Labour’s McDonnell: Thomas Cook bosses should have to repay their bonuses  Shadow Chancellor John McDonnell Credit: Kirsty O'Connor/PA Labour Shadow Chancellor John McDonnell has said the government should have bailed out Thomas Cook, and that the travel group’s bosses should hand back their bonuses. He told the BBC: When this crisis started I said to the government that they should intervene if only to stabilise the situation while a real plan for the future of the company could be addressed. I think the government should have been willing to do more, intervene and stabilise the situation and allow a long-term plan to develop.” To just stand to one side and watch this number of jobs go and to so many holidaymakers have their holidays ruined is not good government John McDonnell says the Government should have bailed out Thomas Cook He says it should have been given funding ‘with strings attached’, highlighting similar intervention in steel crisis He says Thomas Cook bosses should ‘examine their consciences’ and pay back their bonuses— Steven Swinford (@Steven_Swinford) September 23, 2019 8:21AM A 178-year legacy comes to an end Passengers talk to Civil Aviation Authority employees at Mallorca Airport Credit:  ENRIQUE CALVO/ REUTERS The last-ever Thomas Cook flight will land at Manchester Airport in just over half an hour. You can follow its progress via OAG Flightview here. What began on 5th July 1841 with a train journey from Leicester to Loughborough ends in the next half an hour or so when the final ever Thomas Cook flight lands at Terminal 1 of Manchester Airport, completing its journey from Orlando. End of an era. pic.twitter.com/WQY0bKWV2m— Peter Ruddick (@ruddick) September 23, 2019 On social media, users are continuing to pay tribute to the company’s more than 20,000 staff. Thinking of the thousands upon thousands of employees of Thomas cook this Monday morning, my heart truely goes out to them. Devastating �� pic.twitter.com/xIJ1JC6tTy— s a r a h �� (@xsarahorr) September 23, 2019 8:09AM Wizz Air offers Cyprus ‘rescue fares’ for stranded Thomas Cook customers Sensing an opportunity, rival airline Wizz Air is offering Thomas Cook customers hoping to fly between Larnaca and Paphos, Cyprus, and London Luton.  The airline’s managing director Owain Jones, said: Wizz Air is pleased to offer customers whose travel plans between the UK and Larnaca or Paphos have been cancelled following the bankruptcy of Thomas Cook the opportunity to travel with Wizz Air between London Luton and Larnaca at the special price of £99/€109.99 [One way including all taxes and non-optional charges]. The number of seats available at this special rescue fare is limited and the special fare is available only to customers with confirmed Thomas Cook reservations  until 30 November 2019 .  7:54AM Staff ‘stabbed in the back’, says pilots’ union A security person stands next to the entrance of the German headquarters of travel company Thomas Cook in Oberursel near Frankfurt, Germany Credit: Michael Probst/ AP Thomas Cook’s staff “have been stabbed in the back without a second’s thought”, the pilots union has claimed.  A statement from the British Airline Pilots Association (BALPA) said that while plans were in place to rescue stranded tourists, pilots and other staff have been left with no certainty about their future.  While detailed plans to repatriate passengers have been carefully put together and Ministers have and will continue to claim the credit for that, the staff have been stabbed in the back without a second’s thought.​ Despite continuing to keep Thomas Cook going in recent weeks with dignity and integrity while their own futures were being secretly decided we don’t even know if staff will get a pay cheque this month. It is despicable. Thomas Cook pilots and all staff deserve better than this. For pilots, BALPA will be supporting our members through the legal complexities of what Thomas Cook liquidation means for them and doing everything we can to help them find alternative jobs in other airlines. 7:44AM On the Beach faces costs from Thomas Cook collapse Another British travel company, On the Beach, has warned this morning that it expects to take a one-off hit as a result of Thomas Cook’s collapse.  On the Beach said that following the failure of Thomas Cook overnight it “is assisting customers that are currently in resort and whose travel plans will be affected”. The beach holiday seller said it anticipates “a one-off exceptional cost associated with helping customers to organise alternative travel arrangements, and lost margin on cancelled bookings”. The company said it expects to recover the costs of cancelled flights but that it was still assessing the potential impact on its financial performance for its next financial year, which starts in October.  7:33AM ‘A deeply sad day’ — Thomas Cook's boss Thomas Cook boss Peter Fankhauser Credit:  ullstein bild/Getty Thomas Cook’s boss Peter Fankhauser has said the company's collapse “marks a deeply sad day for the company which pioneered package holidays and made travel possible for millions of people around the world”.  Thomas Cook collapse | Read more It was a matter of “profound regret” that he and the other board members were unable to save the company, he added.  Here is what else Fankhauser had to say in this morning's stock exchange announcement:  We have worked exhaustively in the past few days to resolve the outstanding issues on an agreement to secure Thomas Cook's future for its employees, customers and suppliers.  Although a deal had been largely agreed, an additional facility requested in the last few days of negotiations presented a challenge that ultimately proved insurmountable. It is a matter of profound regret to me and the rest of the board that we were not successful. I would like to apologise to our millions of customers, and thousands of employees, suppliers and partners who have supported us for many years. Despite huge uncertainty over recent weeks, our teams continued to put customers first, showing why Thomas Cook is one of the best-loved brands in travel. Generations of customers entrusted their family holiday to Thomas Cook because our people kept our customers at the heart of the business and maintained our founder's spirit of innovation. 7:27AM Statement from Thomas Cook Thomas Cook has made a statement to the stock market this morning confirming that it is entering liquidation.  Further to the announcement made on 20 September 2019, Thomas Cook Group plc (“the Company”) continued to engage with a range of key stakeholders over the weekend in order to secure final terms on the recapitalisation and reorganisation of the Company.  Despite considerable efforts, those discussions have not resulted in agreement between the Company's stakeholders and proposed new money providers. The Company's board has therefore concluded that it had no choice but to take steps to enter into compulsory liquidation with immediate effect. The failed travel company confirmed that the High Court had granted an order for the Official Receiver to be appointed as liquidator. It said it expects Alix Partners will be appointed as special managers to act on behalf of the official receiver and that Alix will "work very closely with the Civil Aviation Authority in the UK to effect the repatriation of all UK customers impacted by this announcement".  6:00AM ‘My heart is broken’ Members of the company’s 21,000 staff reacted to the news on social media, some posting pictures of themselves walking from their last flights. “Love my job so much, don’t want it to end,” Kia Dawn Hayward, a member of the company's cabin crew, said on Twitter. Love my job so much, don’t want it to end���� Thank you for making my dream job come true ThomasCook , you will always be my first ever airline and the last in my Sunny Heart�� pic.twitter.com/1T4jL8cBsF— Kia Dawn Hayward (@kiaandmusic) September 22, 2019 Chloe Rawlinson said: “Heartbroken to say the least. Had the most surreal 2 years of my life full of fun laughter and smiles all around and I’ll always be thankful for Thomas cook. 178 years of amazing service that has came to an end.” Heartbroken to say the least�� had the most surreal 2 years of my life full of fun laughter and smiles all around and I’ll always be thankful for Thomas cook. 178 years of amazing service that has came to an end ���� thomascookpic.twitter.com/NiacbR7lxH— Chloe Rawlinson (@xChloerawlinson) September 23, 2019 Absolutely devastated , 25 years I have given to thomascook and it’s all gone overnight ��— BrendanMcgarry (@brenmcgarry) September 23, 2019 Holidaymakers also expressed sympathy for those who lost jobs. My honeymoon has gone down the drain as we had booked with thomascook but I don’t care, I’ll get refunded. I care about the employees who have lost their jobs with no warning and this close to Christmas, ❤️— Steph Wight (@steph_wight) September 22, 2019 5:43AM Grant Shapps: ‘We will bring everyone home’ Transport Secretary Grant Shapps Credit:  Andrew Crowley/The Daily Telegraph Grant Shapps, the Transport Secretary, has promised to bring all the affected Thomas Cook customers back.  Very sadly Thomas Cook has collapsed. The biggest UK peacetime repatriation in history is underway. We will bring everyone home. An enormous task, there will be some delays, but we're working round the clock to do everything we can. Visit https://t.co/0wVHltRgqB for details.— Grant Shapps MP (@grantshapps) September 23, 2019 4:38AM What is Operation Matterhorn? Britain's biggest ever peacetime repatriation has got under way in an effort to bring home 150,000 holidaymakers who were stranded after the collapse of Thomas Cook. Codenamed Operation Matterhorn, Richard Moriarty, chief executive of the CAA, said it had launched "what is effectively one of the UK's largest airlines" in order to repatriate British holidaymakers. Here's everything you need to know about the operation. 3:47AM What is ATOL protection? There is a lot of talk about whether your Thomas Cook holiday was ATOL protected. Here's a brief guide about what that means. At a glance | ATOL holiday protection 3:13AM Fosun 'disappointed' in collapse A Thomas Cook aircraft awaits departure on the runway at Terminal 1 at Manchester Airport yesterday Credit:  Anthony Devlin/Getty Fosun Tourism Group, which noted it is a "minority investor with no board representation" in Thomas Cook, issued a statement after the travel operator's collapse. The Chinese conglomerate, which owns Wolverhampton Wanderers, said: "Fosun is disappointed that Thomas Cook Group has not been able to find a viable solution for its proposed recapitalisation with other affiliates, core lending banks, senior noteholders and additional involved parties. "Fosun confirms that its position remained unchanged throughout the process, but unfortunately other factors have changed. "We extend our deepest sympathy to all those affected by this outcome." 2:58AM Dozens of charter planes hired Transport Secretary Grant Shapps announces dozens of charter planes have been hired to fly customers home free of charge. In a statement, the Department for Transport (DfT) says all customers currently abroad with Thomas Cook who are booked to return to the UK over the next two weeks will be brought home as close as possible to their booked return date. A general view of the Thomas Cook check-in desks in the South Terminal of Gatwick Airport Credit: PA The DfT says  Thomas Cook package holiday customers will also see the cost of their accommodation covered by the Government, through the Air Travel Trust Fund or Atol scheme. Mr Shapps said: "Thomas Cook's collapse is very sad news for staff and holidaymakers. "The Government and UK CAA is working round the clock to help people. "Our contingency planning has helped acquire planes from across the world - some from as far away as Malaysia - and we have put hundreds of people in call centres and at airports. "But the task is enormous, the biggest peacetime repatriation in UK history. So there are bound to be problems and delays. "Please try to be understanding with the staff who are trying to assist in what is likely to be a very difficult time for them as well." 2:49AM Thomas Cook chief apologies Peter Fankhauser, the chief executive of Thomas Cook, said the tour operator's  collapse was a "matter of profound regret" as he apologised to the company's  "millions of customers, and thousands of employees".  "We have worked exhaustively in the past few days to resolve the outstanding issues on an agreement to secure Thomas Cook's future for its employees, customers and suppliers. "Although a deal had been largely agreed, an additional facility requested in the last few days of negotiations presented a challenge that ultimately proved insurmountable. "It is a matter of profound regret to me and the rest of the board that we were not successful. Thomas Cook chief executive officer Peter Fankhauser Credit: PA "I would like to apologise to our millions of customers, and thousands of employees, suppliers and partners who have supported us for many years. "Despite huge uncertainty over recent weeks, our teams continued to put customers first, showing why Thomas Cook is one of the best-loved brands in travel. "Generations of customers entrusted their family holiday to Thomas Cook because our people kept our customers at the heart of the business and maintained our founder's spirit of innovation. "This marks a deeply sad day for the company which pioneered package holidays and made travel possible for millions of people around the world." 2:46AM Website down  Holidaymakers seeking information are being left frustrated as the website dedicated to the collapse is not up and running. The website: https://ift.tt/2M9NFaz  The CAA says:  "We are aware that some users are having difficultly accessing the dedicated website for information and advice following Thomas Cook ceasing trading. Please keep checking the website as it is currently launching." 2:42AM CAA launches 'one of the UK's largest airlines' Richard Moriarty, chief executive of the CAA, said it had launched "what is effectively one of the UK's largest airlines" in order to repatriate British holidaymakers.He said: "News of Thomas Cook's collapse is deeply saddening for the company's employees and customers, and we appreciate that more than 150,000 people currently abroad will be anxious about how they will now return to the UK. "The government has asked us to support Thomas Cook customers on what is the UK's largest ever peacetime repatriation. "We have launched, at very short notice, what is effectively one of the UK's largest airlines, involving a fleet of aircraft secured from around the world. The nature and scale of the operation means that unfortunately some disruption will be inevitable. We ask customers to bear with us as we work around the clock to bring them home. "We urge anyone affected by this news to check our dedicated website, thomascook.caa.co.uk, for advice and information." 2:38AM Operation begins to bring home holidaymakers The Civil Aviation Authority (CAA) said the Government had asked it to launch a repatriation programme over the next two weeks, starting on Monday and running to Sunday 6 October, to bring Thomas Cook customers back to the UK. The CAA statement said: "Due to the unprecedented number of UK customers currently overseas who are affected by the situation, the Civil Aviation Authority has secured a fleet of aircraft from around the world to bring passengers back to the UK with return flights. "Passengers in a small number of destinations may return on alternative commercial flights, rather than directly through the Civil Aviation Authority's flying programme. Details and advice for these passengers are available on the dedicated website. "Due to the significant scale of the situation, some disruption is inevitable, but the Civil Aviation Authority will endeavour to get people home as close as possible to their planned dates. This will apply to both Atol protected passengers and those who are not protected. "Customers currently overseas should not travel to the airport until their flight back to the UK has been confirmed on the dedicated website. "Thomas Cook customers in the UK yet to travel should not go to the airport as all flights leaving the UK have been cancelled." 2:30AM Thomas Cook collapses Good morning. All eyes are on Thomas Cook this morning after the travel operator collapsed in the early hours of Monday.  Thomas Cook has collapsed, a failure that will likely consign the most iconic name in world travel to the annals of history. The Government and the Civil Aviation Authority (CAA) have launched Britain’s biggest peacetime repatriation of customers. The CAA said the tour operator has "ceased trading with immediate effect". "All Thomas Cook bookings, including flights and holidays, have now been cancelled," it added.

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Thousands left stranded abroad as Thomas Cook collapses Oliver Gill: The airline bosses who will welcome Cook’s fall The Thomas Cook bosses who received £20m in bonuses in last 5 years as company collapsed Thomas Cook collapse: is my holiday safe? Have your travels been disrupted by the Thomas Cook collapse? Share your experience by emailing yourstory@telegraph.co.uk We’ll keep you updated throughout the day About 150,000 Britons have had their travel plans thrown into disarray after the collapse of Thomas Cook, leading to chaos in airports and hotels. The 178-year-old travel giant has cancelled all its flights, leading the government to initiate its biggest repatriation effort since the Second World War. A rescue fleet has been scrambled to bring back holidaymakers stuck overseas. Codenamed Operation Matterhorn, dozens of charter planes, from as far afield as Malaysia, have been hired to fly customers home free of charge. The company’s 21,000 employees — around 9,000 of whom are UK-based — have lost their jobs, with 600,000 people worldwide having their travel plans disrupted. Thomas Cook  collapsed into liquidation overnight , a failure that consigns the most iconic name in world travel to the annals of history. Thomas Cook collapse | Read more Richard Moriarty, the chief executive of the UK Civil Aviation Authority (CAA), said the Government had asked his organisation to launch “the UK’s largest ever peacetime repatriation”. In a statement, the CAA said: “Thomas Cook Group, including the UK tour operator and airline, has ceased trading with immediate effect. “All Thomas Cook bookings, including flights and holidays, have now been cancelled.” 12:02PM Political row begins over whether Thomas Cook should have been bailed out Prime Minister Boris Johnson boarding his plane at Heathrow Airport as he heads off for the annual United Nations General Assembly in New York Credit:  Stefan Rousseau/ PA Boris Johnson has defended his decision not to to rescue Thomas Cook, after Labour called for the collapsed tour operator to be given a state-backed bailout package. Speaking to reporters as he traveled to New York to visit the UN General Assembly, Mr Johnson said of Thomas Cook’s rejected request for £150m from the state: Clearly, that’s a lot of taxpayers’ money and sets up, as people will appreciate, a moral hazard in the case of future such commercial difficulties that companies face. The Prime Minister instead said attention should be paid to the amount the travel giant’s bosses have been paid in recent years. Labour Shadow Chancellor John McDonnell accused the PM of “ideological bias”. He told the BBC: The government’s intervention could have enabled us to just stabilise the situation, give a breathing space so that there could be proper consultation with the workforce in particular about how to go forward. To just stand to one side and watch this number of jobs go and so many holidaymakers have their holiday ruined, I just don’t think that’s wise government. Meanwhile, Scotland’s First Minister, Nicola Sturgeon, has offered her thoughts to those people who have lost their jobs.  Inevitable that much of the focus today will be on those who have had flights cancelled, but the Thomas Cook collapse is devastating for the company’s many workers. My thoughts are very much with them and their families. https://t.co/KPz2ZTBCxy— Nicola Sturgeon (@NicolaSturgeon) September 23, 2019 11:49AM Train services offer free tickets to affected customers Network Rail’s train services are holding a unified line on travel disruption today, offering customers who have had their holiday plans foiled a free ticket to get back from the airport: Following the collapse of ThomasCook we want to support those impacted who may already have plans to travel to or from @LDNLutonAirport or @Gatwick_Airport. If you have bought rail tickets from us & no longer travelling, you'll be able to get a full refund (with no admin fee).— Thameslink (@TLRailUK) September 23, 2019 Following the collapse of ThomasCook we want to support those impacted who may already have plans to travel to or from @LDNLutonAirport or @Gatwick_Airport. If you have bought rail tickets from us & no longer travelling, you'll be able to get a full refund (with no admin fee).— Great Northern (@GNRailUK) September 23, 2019 Any customers affected by the ThomasCookcollapse who are unable to make their booked train will be permitted to travel on the next suitable service by providing reasonable evidence of a Thomas Cook booking.— GWR Help (@GWRHelp) September 23, 2019 11:44AM Tunisian tourism minister: Thomas Cook owes hotels £60m Tunisia’s tourism minister, Rene Trabelsi, has told Reuters that Thomas Cook owes hotels in the country €60m for stays in July and August. It’s likely we’ll be getting a clearer sense of the company’s widespread debts as the day continues... 11:36AM ‘We woke up this morning and heard on the news that Thomas Cook had gone bankrupt’ John Garrett and Ajoulyn Chaffe arrived at Gatwick to find Thomas Cook had gone bust as they were flying Credit:  SWNS More testimonials from the wires: American couple John Garrett, 40, and Ajoulyn Chaffe, 35, arrived at Gatwick to find Thomas Cook went bust while they were in the air. Holidaymakers who had booked with Thomas Cook were ‘devastated’ when they turned up at Gatwick this morning to find their trips had been cancelled. Among them were Jerry Blackwell, 47, who said he and his wife were scheduled to fly to Dalaman in Turkey at 5.15pm yesterday. Mr Blackwell said: “We went to the boarding gate and someone said it was cancelled due to staff illness so we got put up in a Premier Inn last night and were meant to fly out at midday. “We woke up this morning and heard on the news that Thomas Cook had gone bankrupt.” Read more here: Thomas Cook collapse: Misery across Europe as stranded Britons wait for repatriation 11:30AM Thomas Cook staff pensions  ‘are protected’ People leaving Thomas Cook’s Peterborough headquarters Credit:  Joe Giddens/ PA Thomas Cook staff who have lost their jobs today will have their pensions protected, according to the Pension Protection Fund — a statutory fund intended to protect members if their defined benefit pension fund becomes insolvent. We understand this is an extremely difficult time for the members of @ThomasCookUK’s defined benefit pension schemes, but they can be assured that their pensions are protected by us. To find out more about the PPF and the protection we provide, see here. https://t.co/bGssuroVSr— Pension Protection Fund (@PPF) September 23, 2019  The PPF says it will be contacting Thomas Cook employees today: To all members of the @ThomasCookUK defined benefit pension schemes, your pension trustees will be in touch soon with an update on your scheme. To understand how the PPF works and protects your pension click here https://t.co/X74NtvKvkV— Pension Protection Fund (@PPF) September 23, 2019 11:27AM Petition to bail out Thomas Cook nears 70,000 signatures  AChange.org petition to calling for the Government or a plucky investor to re-finance the collapsing tour operator is edging closer to 70,000 signatures. The petition, created by a Thomas Cook employee’s husband, says: The iconic travel firm, the oldest travel firm, Thomas Cook has made dream holidays for us all and we have made so many memories, had work experiences and met so many great people that had effect in our lives. Thomas Cook is one of Britain's most well known brands. I so believe the company will come good again once this financial problems have been resolved.  Let’s help our Thomas Cook at this difficult times.  If the Government or any other lenders help to fund shortfall of money then the future will be bright. 11:15AM Have your travels been disrupted by the Thomas Cook collapse?  Share your experience by emailing yourstory@telegraph.co.uk 11:09AM Final flight eyewitness: Clear staff had been left ‘in total limbo’ Passengers exit the final Thomas Cook passenger flight, which landed at Manchster Airport this morning Credit: OLI SCARFF/ AFP A passenger on one of the last ever Thomas Cook flights to fly has  described how emotional staff broke news of the company’s collapse when they landed this morning. From the wires: Jason Ritchie, 50, was onboard a Thomas Cook flight from Orlando to Manchester with his wife Sharon, 49, when staff announced the company’s closure this morning. Their flight took off at 12:30am UK time, half an hour after the travel company's collapse as staff rushed to get the flight off the ground. Jason, from Nottingham, said: “We were just landing at Manchester Airport at 8:30am when the cabin crew announced that Thomas Cook had collapsed. “We were due to set off from Orlando at 7:15PM local time on 22 September, and only experienced a 10 minute delay in taking off from there. “When the staff announced what had happened, they sounded emotional and it was clear they'd been left in total limbo with no more information themselves on what we'd been told. “I spoke to one of the cabin crew who said they’d heard nothing from head office, and hadn’t even spoke to their family — they had no idea where they stood with their jobs.” 11:02AM Ex-affiliate Indian airline caught in crossfire  Thomas Cook India — which exited Thomas Cook seven years ago and now has no relationship to the collapsed group beyond its name — has nonetheless seen its share price suffer from rough headlines around the travel giant in recent days. The company has taken to Twitter to try and clear up the confusion: Thomas Cook PLC (UK) has no relationship with Thomas Cook India as we were acquired by Canada based Fairfax Financial Holdings (Fairfax) in 2012. We are completely independent of Thomas Cook UK & hence the news of their situation does not impact us. https://t.co/8hszrYqI69— Thomas Cook India (@tcookin) September 23, 2019 10:54AM Turkey prepares support package for impacted customers Authorities in Turkey,  have warned hotels not to evict affected customers or demand money from them: Turkish Culture and Tourism Ministry warns hotels in Turkey: If you demand payments from tourists or evict them from their hotel rooms due to ThomasCookCollapse, you will be prosecuted. https://t.co/TQExCGbZ27— Yunus Emre Oruç (@defusertt) September 23, 2019 Turkish tourism ministry also announces that they're working with the Finance and Treasury Ministry to provide a support package for the establishments affected by the collapse. ThomasCookCollapse— Yunus Emre Oruç (@defusertt) September 23, 2019 Here’s a video purportedly from on board the final Thomas Cook flight: Dedicated Thomas Cook staff on last flight ��so sad @GMBpic.twitter.com/QT8kIPb71A— Gill (@Gill99287213) September 23, 2019 10:48AM Short-sellers set to win out from Thomas Cook’s collapse One group who will be smiling today are Thomas Cook’s short-sellers: investors who had placed a financial bet that the company’s share price would fall. Around 11pc of the company’s shares were being shorted according the most recent filing to the Financial Conduct Authority, with the biggest short positions held by TT International and Whitebox Advisors. Thomas Cook: Share price 10:39AM Condor and Thomas Cook split on number of stranded Germans A Condor airlines plane, part of the Thomas Cook Group, is seen at the Heraklion airport on the island of Crete Credit:  STEFANOS RAPANIS/ REUTERS Other than the 150,000 Brits stranded abroad, it looks like another big chunk of the 600,000 customers left in the lurch by Thomas Cook’s collapse may well be German holidaymakers. A few minutes ago, the travel company said there are 140,000 people abroad who are currently travelling with its subsidiaries in Germany. But Condor, its biggest German subsidiary, says around 240,000 are booked on its flight and awaiting a return home. I’m sure more clarity will be forthcoming, but it looks like Germans will be feeling the disruption at least as much as Brits. 10:31AM Scenes from around the world as travel giant collapses Photos are pouring in from across the world as the aftershocks from Thomas Cook’s collapse spread: A British Government official speaks with Thomas Cook passengers at Son Sant Joan airport in Palma de Mallorca Credit: JAIME REINA/AFP People line up in front of a counter of Thomas Cook at the Heraklion airport on the island of Cret Credit: STEFANOS RAPANIS/REUTERS Office workers outside the Peterborough headquarters of the 178-year-old tour operator Credit: Joe Giddens/PA The last Thomas Cook flight, coming from Orland, US, arrives in Manchester Credit:  Gareth J. Bond via REUTERS John Garret from Boston, Massachusetts. who was supposed to be flying to Malta takes a photo of the empty Thomas Cook check in desks in Gatwick Airport Credit: Alastair Grant/ AP A British Government official assists passengers at Manchester Airport Credit: PHIL NOBLE/REUTERS 10:17AM Liquidation will have ‘major impact for the high street’ Thomas Cook has 588 high-street stores Credit: Chris Ratcliffe/Bloomberg Thomas Cook’s collapse, as well as putting 9,000 people out of work in the UK, will also have a major impact on the nation’s high streets. Joanne Fearnley, partner and commercial property expert at law firm Gordons, says: We must not forget in all of this that there is a major impact for the high street too. Thomas Cook has 588 stores which will inevitably close, a further blow for landlords already suffering from a number of high-profile closures and collapses. It’s another massive blow for the UK high street and underlines the need for imaginative change. Crash landing: Thomas Cook in numbers 10:13AM Thomas Cook collapse: Everything customers need to know People walk in front of a counter of Thomas Cook at the Heraklion airport on the island of Crete Credit:  STEFANOS RAPANIS/REUTERS  Telegraph Money have all the key info customers need about how Thomas Cook’s collapse could impact them: What happens to Thomas Cook flights and holidays? Everything customers need to know Here are some of the key points: Will my holiday be affected?  The good news is that Thomas Cook package holiday customers will not be left out of pocket because these holidays are protected by the company’s Air Travel Organiser’s Licence, or Atol. What kind of compensation will I get and when? Atol will step in to help with either a refund or a replacement holiday. Martyn James, of consumer champions Resolver, said: “If you’ve booked a packaged holiday with a flight, then Atol can help with disputes and cancellations.”  What if I'm already abroad? Will my return flight be cancelled?  Even if you were stuck abroad, you will get whatever help you needed to enjoy your holiday then return home. The Government has promised to ensure that all British travellers who were due to fly back within the next two weeks are brought home free of charge. Is my hotel booking protected? Martin Lewis, founder of website MoneySavingExpert, said those who’ve already paid for their hotels abroad as part of a Thomas Cook package shouldn’t pay again. But, he added, “that won’t stop a few uncertain and scared hoteliers overseas wanting money directly from British travellers to be doubly sure. This could leave British tourists in sticky situations. If so, the Civil Aviation Authority has a helpline which should sort it for you.”   9:59AM Liverpool FC ‘assessing the impact’ of Thomas Cook collapse on hospitality packages Liverpool fans can buy hospitality packages from Thomas Cook Credit: Andrew Powell/Liverpool FC Among its multi-faceted operations, Thomas Cook sells Liverpool fans hospitality packages to attend the club’s home games at Anfield. Liverpool FC said in a statement: We are currently assessing the impact of Thomas Cook ceasing trading and the impact for those supporters who have purchased packages from Thomas Cook. Once we have those details from Thomas Cook we will update supporters. 9:54AM First rescue flight sets off from JFK Airport The first rescue flight as part of Operation Matterhorn has taken off from New York’s Matterhorn Airport carrying “over 300 passengers”, the CAA says: The first Civil Aviation Authority repatriation flight has now left JFK, headed for Manchester with over 300 passengers on board. It is estimated to arrive at 5PM today. If you have been impacted by ThomasCook ceasing trading, please visit our website:https://t.co/g4G2b6RlHcpic.twitter.com/pfVPG6bL6Y— UK Civil Aviation Authority (@UK_CAA) September 23, 2019 9:52AM Newlyweds’ honeymoon plans ruined after flight is cancelled News agency SWNS reports: A honeymoon couple were among tens of thousands of people whose holiday plans have been scuppered by the collapse of Thomas Cook. Jane and Richard Dawson, who tied the knot on Friday, stayed at a hotel at Gatwick Airport overnight in preparation for their ten-hour flight. But the newlyweds, from Peterborough, Cambridgeshire, where the world’s oldest travel operator was based, woke up to find that their flight to Jamaica had been cancelled along with hundreds of others. Jane and Richard, who were due to fly at 11.45am today, were told to go home by airport staff. 9:44AM Thomas Cook’s final passenger flight lands Sky News has footage of the last-ever Thomas Cook flight landing at Manchester Airport, just over an hour ago: BREAKING: The last Thomas Cook passenger flight lands at Manchester Airport after the company collapsed following failed rescue talks. Get the latest on the ThomasCook collapse here: https://t.co/3Hgpl7YJkQpic.twitter.com/65sibJ4CO7— Sky News (@SkyNews) September 23, 2019 9:42AM Stranded customers: ‘The hotel next door shut the gates and wouldn’t let people leave’ An airport worker speaks with passengers of the British travel group Thomas Cook at Son Sant Joan airport in Palma de Mallorca  Credit:  JAIME REINA/ AFP Around 600,000 people, including 150,000 Brits, have had their travel plans thrown into chaos by Thomas Cook’s collapse. My colleagues have been gathering stories from those affected: Danielle Rutherford, on holiday in Tunisia told BBC’s Today programme: “We haven’t been told anything by Thomas Cook.  “The hotel have said we shouldn’t have to pay, but we don’t leave until Friday so we don’t know. My husband and I were told on Saturday that we had to pay £4,000.  “The hotel next door shut the gates and wouldn’t let people leave. We hope to be able to carry on our holiday and not worry about it.” Read all their stories here: Thomas Cook collapse: Misery across Europe as stranded Britons wait for repatriation 9:32AM MP: Collapse is ‘devastating news’ for Greater Manchester Labour’s Lucy Powell, MP for Manchester Central, tweets: With over 3,000 people in Greater Manchester employed by Thomas Cook, its collapse will have a massive impact on families and communities here. This is devastating news. https://t.co/89NzP2cHfI— Lucy Powell MP (@LucyMPowell) September 23, 2019 9:29AM Thomas Cook: a timeline How did Thomas Cook end up entering liquidation after 178 years in operation? Our timeline charts the key event in the travel group’s history: Thomas Cook timeline 9:28AM ‘Gutted doesn’t cut it’ Some of Thomas Cook’s 9,000 UK staff are speaking out on social media, sharing their memories of working at the company. It was a short lived journey with Thomas Cook, but it was a job I wanted and loved. My heart goes out to my store colleagues and to all staff with Thomas Cook. Gutted doesn’t cut it�� pic.twitter.com/LuYcEGCHT7— molly ranger (@mollyroseranger) September 23, 2019 9:23AM Thomas Cook’s German subsidiary seeks emergency loan Travellers queue up in a Condor check-in service at the Frankfurt Airport Credit:  KAI PFAFFENBACH/REUTERS Condor, Thomas Cook’s subsidiary in Germany, will continue flying but has requested financial aid from the German government. AFP reports:  Condor, the German airline subsidiary of British travel giant Thomas Cook, said Monday it was requesting financial aid from Berlin to help keep it in the air even after its parent company declared bankruptcy. Underlining that it had been “profitable for many years,” the airline added that “to prevent liquidity bottlenecks at Condor, it has applied for a state-guaranteed bridging loan” which is being examined in Berlin. “We’re continuing to concentrate on what we do best: flying our guests safely and punctually to their holidays,” said managing director Ralf Teckentrup. 9:19AM Swiss chalet group: Matterhorn code name is damaging for Switzerland A tightrope walker in front of the Matterhorn mountain Credit: Dominic Steinmann/Keystone A Swiss chalet operator has raised concerns that Operation Matterhorn, the government’s codename for its operation to repatriate Thomas Cook customers, could cast aspersions upon Switzerland (home of the Matterhorn mountain, in the region of Zermatt). Matterhorn Chalets’ Ed Mannix told the Telegraph: I think you will agree that whilst the Matterhorn is essentially Zermatt’s trade mark as well as Switzerland’s de facto national icon, any association with the calamitous financial failure of Thomas Cook cannot be good for us here. In the circumstances, can anything be done on an official level to protect the reputation of Switzerland, possibly the world’s most financially secure country, and Zermatt, home of the Matterhorn and it’s most well-known known tourist destination? 9:11AM Staff ‘in tears’ at Thomas Cook headquarters  People walk outside the Peterborough headquarters of Thomas Cook Credit: Joe Giddens/ PA Thomas Cook’s collapse is a tragedy for staff at its headquarters in Peterborough, who are set to lose their jobs as the company enter liquidation. Reuters reports: Thomas Cook staff were seen hugging each other in tears at its headquarters in Cambridgeshire this morning — after the holiday company collapsed. Hundreds of employees have been seen heading into the offices at Lynch Wood in Peterborough for a 10am meeting about the compulsory liquidation, which happened this morning after a weekend of talks to save the company. Many looked tearful as they arrived at the headquarters, which employs around 1,000 people. Scene at Thomas Cook HQ Peterborough where around 1000 employees are learning of their fate after the company collapsed after 178 years, more on @BBCCambs 95.7/96fm 1026mw DAB Freeview 722. pic.twitter.com/bNU66bS6hW— John Devine (@JohnDevine1961) September 23, 2019 9:07AM Travel rivals’ shares climb after collapse Shares in rival TUI are up around 7pc Credit: Eric Greer/Boeing Thomas Cook’s collapse is paying off for other travel firms, with rival TUI soaring nearly 7pc up as the biggest climber on the FTSE 100 share index. Easyjet, on the FTSE 250, is up just under 6pc. Other airlines such as Wizz Air, IAG, Lufthansa and Air France-KLM are all gaining. RIP Thomas Cook. From a TUI fan. Airline rivalry means nothing on a day like this— Richard Wilson (@richwilson26) September 23, 2019 You’re never too big to fail. Last year, Thomas Cook bought in £9.5billion in revenue. Today, they collapse in disgrace. Another reminder to stay humble. Feel sorry for staff and those stuck abroad.— Austin (@AustinDarbo) September 23, 2019 So guess who was flying with Thomas cook to NYC ���� in less than 3 weeks time... yes that’s me ����— Georgie Higginson (@Georgina_higg) September 23, 2019 8:56AM CAA chair: ‘Every single person will be brought back home’ Dame Deidre Hutton Credit:  Jane Mingay/The Daily Telegraph The Civil Aviation Authority’s chair Dame Deidre Hutton has told the BBC that all Thomas Cook customers will be brought back home once their holidays finish. She said: Every single person will be brought back home at the end of their holiday... Everyone will be brought home free of charge. 8:46AM MoneySavingExpert: What Thomas staff who have been made redundant should do now Martin Lewis from MoneySavingExpert has offered his sympathies to Thomas Cook staff who will lose their jobs due to the company’s collapse, tweeting: Im v sorry for all Thomas Cook staff; horrid night 4u. Youll get specifics of your situation from the administrators.. For provisional reading, there is info in our redundancy guide - incl claiming wages off the NI Fund https://t.co/E5WmSRR5cN— Martin Lewis (@MartinSLewis) September 23, 2019 8:43AM More reaction from Twitter... ...it looks like lots of customers had close calls: We got lucky... we flew with Thomas Cook in June when the talks of liquidation started. I feel so bad for everyone who’s stranded RIPThomasCook— Manika�� (@swiftlymanika13) September 23, 2019 Close call. Booked a holiday very recently after looking at the options. Nearly chose Thomas Cook as the service was so great but the firm couldn’t match the price offered by a local travel agent. Am feeling lucky for me, but very sorry for everyone caught up in the chaos.— Alan Dapré (@AlanDapre) September 23, 2019 Girlfriend was cabin crew with Thomas cook. Looked after passengers last night knowing not getting paid. Lost her job, company have abandoned her in Newcastle to find own way back to Cheshire. Other crew kicked out of hotels overnight. Who is looking after them @MC_HMGovernment— Radio Free Salford (@salfordpf) September 23, 2019 8:32AM Thomas Cook’s Twitter support page has shut down Thomas Cook Cares, the account through which the travel giant fields customer questions, has officially shut down, and will no longer be monitored.  We are sorry to announce that Thomas Cook has ceased trading with immediate effect. This account will not be monitored. Please visit https://t.co/PLklUd1C7q for further advice and information.ThomasCookpic.twitter.com/jnYvg8jpV3— Thomas Cook Cares (@ThomasCookCares) September 23, 2019  The dedicated page for customer service support, run by the CAA, is here:  8:30AM Labour’s McDonnell: Thomas Cook bosses should have to repay their bonuses  Shadow Chancellor John McDonnell Credit: Kirsty O'Connor/PA Labour Shadow Chancellor John McDonnell has said the government should have bailed out Thomas Cook, and that the travel group’s bosses should hand back their bonuses. He told the BBC: When this crisis started I said to the government that they should intervene if only to stabilise the situation while a real plan for the future of the company could be addressed. I think the government should have been willing to do more, intervene and stabilise the situation and allow a long-term plan to develop.” To just stand to one side and watch this number of jobs go and to so many holidaymakers have their holidays ruined is not good government John McDonnell says the Government should have bailed out Thomas Cook He says it should have been given funding ‘with strings attached’, highlighting similar intervention in steel crisis He says Thomas Cook bosses should ‘examine their consciences’ and pay back their bonuses— Steven Swinford (@Steven_Swinford) September 23, 2019 8:21AM A 178-year legacy comes to an end Passengers talk to Civil Aviation Authority employees at Mallorca Airport Credit:  ENRIQUE CALVO/ REUTERS The last-ever Thomas Cook flight will land at Manchester Airport in just over half an hour. You can follow its progress via OAG Flightview here. What began on 5th July 1841 with a train journey from Leicester to Loughborough ends in the next half an hour or so when the final ever Thomas Cook flight lands at Terminal 1 of Manchester Airport, completing its journey from Orlando. End of an era. pic.twitter.com/WQY0bKWV2m— Peter Ruddick (@ruddick) September 23, 2019 On social media, users are continuing to pay tribute to the company’s more than 20,000 staff. Thinking of the thousands upon thousands of employees of Thomas cook this Monday morning, my heart truely goes out to them. Devastating �� pic.twitter.com/xIJ1JC6tTy— s a r a h �� (@xsarahorr) September 23, 2019 8:09AM Wizz Air offers Cyprus ‘rescue fares’ for stranded Thomas Cook customers Sensing an opportunity, rival airline Wizz Air is offering Thomas Cook customers hoping to fly between Larnaca and Paphos, Cyprus, and London Luton.  The airline’s managing director Owain Jones, said: Wizz Air is pleased to offer customers whose travel plans between the UK and Larnaca or Paphos have been cancelled following the bankruptcy of Thomas Cook the opportunity to travel with Wizz Air between London Luton and Larnaca at the special price of £99/€109.99 [One way including all taxes and non-optional charges]. The number of seats available at this special rescue fare is limited and the special fare is available only to customers with confirmed Thomas Cook reservations  until 30 November 2019 .  7:54AM Staff ‘stabbed in the back’, says pilots’ union A security person stands next to the entrance of the German headquarters of travel company Thomas Cook in Oberursel near Frankfurt, Germany Credit: Michael Probst/ AP Thomas Cook’s staff “have been stabbed in the back without a second’s thought”, the pilots union has claimed.  A statement from the British Airline Pilots Association (BALPA) said that while plans were in place to rescue stranded tourists, pilots and other staff have been left with no certainty about their future.  While detailed plans to repatriate passengers have been carefully put together and Ministers have and will continue to claim the credit for that, the staff have been stabbed in the back without a second’s thought.​ Despite continuing to keep Thomas Cook going in recent weeks with dignity and integrity while their own futures were being secretly decided we don’t even know if staff will get a pay cheque this month. It is despicable. Thomas Cook pilots and all staff deserve better than this. For pilots, BALPA will be supporting our members through the legal complexities of what Thomas Cook liquidation means for them and doing everything we can to help them find alternative jobs in other airlines. 7:44AM On the Beach faces costs from Thomas Cook collapse Another British travel company, On the Beach, has warned this morning that it expects to take a one-off hit as a result of Thomas Cook’s collapse.  On the Beach said that following the failure of Thomas Cook overnight it “is assisting customers that are currently in resort and whose travel plans will be affected”. The beach holiday seller said it anticipates “a one-off exceptional cost associated with helping customers to organise alternative travel arrangements, and lost margin on cancelled bookings”. The company said it expects to recover the costs of cancelled flights but that it was still assessing the potential impact on its financial performance for its next financial year, which starts in October.  7:33AM ‘A deeply sad day’ — Thomas Cook's boss Thomas Cook boss Peter Fankhauser Credit:  ullstein bild/Getty Thomas Cook’s boss Peter Fankhauser has said the company's collapse “marks a deeply sad day for the company which pioneered package holidays and made travel possible for millions of people around the world”.  Thomas Cook collapse | Read more It was a matter of “profound regret” that he and the other board members were unable to save the company, he added.  Here is what else Fankhauser had to say in this morning's stock exchange announcement:  We have worked exhaustively in the past few days to resolve the outstanding issues on an agreement to secure Thomas Cook's future for its employees, customers and suppliers.  Although a deal had been largely agreed, an additional facility requested in the last few days of negotiations presented a challenge that ultimately proved insurmountable. It is a matter of profound regret to me and the rest of the board that we were not successful. I would like to apologise to our millions of customers, and thousands of employees, suppliers and partners who have supported us for many years. Despite huge uncertainty over recent weeks, our teams continued to put customers first, showing why Thomas Cook is one of the best-loved brands in travel. Generations of customers entrusted their family holiday to Thomas Cook because our people kept our customers at the heart of the business and maintained our founder's spirit of innovation. 7:27AM Statement from Thomas Cook Thomas Cook has made a statement to the stock market this morning confirming that it is entering liquidation.  Further to the announcement made on 20 September 2019, Thomas Cook Group plc (“the Company”) continued to engage with a range of key stakeholders over the weekend in order to secure final terms on the recapitalisation and reorganisation of the Company.  Despite considerable efforts, those discussions have not resulted in agreement between the Company's stakeholders and proposed new money providers. The Company's board has therefore concluded that it had no choice but to take steps to enter into compulsory liquidation with immediate effect. The failed travel company confirmed that the High Court had granted an order for the Official Receiver to be appointed as liquidator. It said it expects Alix Partners will be appointed as special managers to act on behalf of the official receiver and that Alix will "work very closely with the Civil Aviation Authority in the UK to effect the repatriation of all UK customers impacted by this announcement".  6:00AM ‘My heart is broken’ Members of the company’s 21,000 staff reacted to the news on social media, some posting pictures of themselves walking from their last flights. “Love my job so much, don’t want it to end,” Kia Dawn Hayward, a member of the company's cabin crew, said on Twitter. Love my job so much, don’t want it to end���� Thank you for making my dream job come true ThomasCook , you will always be my first ever airline and the last in my Sunny Heart�� pic.twitter.com/1T4jL8cBsF— Kia Dawn Hayward (@kiaandmusic) September 22, 2019 Chloe Rawlinson said: “Heartbroken to say the least. Had the most surreal 2 years of my life full of fun laughter and smiles all around and I’ll always be thankful for Thomas cook. 178 years of amazing service that has came to an end.” Heartbroken to say the least�� had the most surreal 2 years of my life full of fun laughter and smiles all around and I’ll always be thankful for Thomas cook. 178 years of amazing service that has came to an end ���� thomascookpic.twitter.com/NiacbR7lxH— Chloe Rawlinson (@xChloerawlinson) September 23, 2019 Absolutely devastated , 25 years I have given to thomascook and it’s all gone overnight ��— BrendanMcgarry (@brenmcgarry) September 23, 2019 Holidaymakers also expressed sympathy for those who lost jobs. My honeymoon has gone down the drain as we had booked with thomascook but I don’t care, I’ll get refunded. I care about the employees who have lost their jobs with no warning and this close to Christmas, ❤️— Steph Wight (@steph_wight) September 22, 2019 5:43AM Grant Shapps: ‘We will bring everyone home’ Transport Secretary Grant Shapps Credit:  Andrew Crowley/The Daily Telegraph Grant Shapps, the Transport Secretary, has promised to bring all the affected Thomas Cook customers back.  Very sadly Thomas Cook has collapsed. The biggest UK peacetime repatriation in history is underway. We will bring everyone home. An enormous task, there will be some delays, but we're working round the clock to do everything we can. Visit https://t.co/0wVHltRgqB for details.— Grant Shapps MP (@grantshapps) September 23, 2019 4:38AM What is Operation Matterhorn? Britain's biggest ever peacetime repatriation has got under way in an effort to bring home 150,000 holidaymakers who were stranded after the collapse of Thomas Cook. Codenamed Operation Matterhorn, Richard Moriarty, chief executive of the CAA, said it had launched "what is effectively one of the UK's largest airlines" in order to repatriate British holidaymakers. Here's everything you need to know about the operation. 3:47AM What is ATOL protection? There is a lot of talk about whether your Thomas Cook holiday was ATOL protected. Here's a brief guide about what that means. At a glance | ATOL holiday protection 3:13AM Fosun 'disappointed' in collapse A Thomas Cook aircraft awaits departure on the runway at Terminal 1 at Manchester Airport yesterday Credit:  Anthony Devlin/Getty Fosun Tourism Group, which noted it is a "minority investor with no board representation" in Thomas Cook, issued a statement after the travel operator's collapse. The Chinese conglomerate, which owns Wolverhampton Wanderers, said: "Fosun is disappointed that Thomas Cook Group has not been able to find a viable solution for its proposed recapitalisation with other affiliates, core lending banks, senior noteholders and additional involved parties. "Fosun confirms that its position remained unchanged throughout the process, but unfortunately other factors have changed. "We extend our deepest sympathy to all those affected by this outcome." 2:58AM Dozens of charter planes hired Transport Secretary Grant Shapps announces dozens of charter planes have been hired to fly customers home free of charge. In a statement, the Department for Transport (DfT) says all customers currently abroad with Thomas Cook who are booked to return to the UK over the next two weeks will be brought home as close as possible to their booked return date. A general view of the Thomas Cook check-in desks in the South Terminal of Gatwick Airport Credit: PA The DfT says  Thomas Cook package holiday customers will also see the cost of their accommodation covered by the Government, through the Air Travel Trust Fund or Atol scheme. Mr Shapps said: "Thomas Cook's collapse is very sad news for staff and holidaymakers. "The Government and UK CAA is working round the clock to help people. "Our contingency planning has helped acquire planes from across the world - some from as far away as Malaysia - and we have put hundreds of people in call centres and at airports. "But the task is enormous, the biggest peacetime repatriation in UK history. So there are bound to be problems and delays. "Please try to be understanding with the staff who are trying to assist in what is likely to be a very difficult time for them as well." 2:49AM Thomas Cook chief apologies Peter Fankhauser, the chief executive of Thomas Cook, said the tour operator's  collapse was a "matter of profound regret" as he apologised to the company's  "millions of customers, and thousands of employees".  "We have worked exhaustively in the past few days to resolve the outstanding issues on an agreement to secure Thomas Cook's future for its employees, customers and suppliers. "Although a deal had been largely agreed, an additional facility requested in the last few days of negotiations presented a challenge that ultimately proved insurmountable. "It is a matter of profound regret to me and the rest of the board that we were not successful. Thomas Cook chief executive officer Peter Fankhauser Credit: PA "I would like to apologise to our millions of customers, and thousands of employees, suppliers and partners who have supported us for many years. "Despite huge uncertainty over recent weeks, our teams continued to put customers first, showing why Thomas Cook is one of the best-loved brands in travel. "Generations of customers entrusted their family holiday to Thomas Cook because our people kept our customers at the heart of the business and maintained our founder's spirit of innovation. "This marks a deeply sad day for the company which pioneered package holidays and made travel possible for millions of people around the world." 2:46AM Website down  Holidaymakers seeking information are being left frustrated as the website dedicated to the collapse is not up and running. The website: https://ift.tt/2M9NFaz  The CAA says:  "We are aware that some users are having difficultly accessing the dedicated website for information and advice following Thomas Cook ceasing trading. Please keep checking the website as it is currently launching." 2:42AM CAA launches 'one of the UK's largest airlines' Richard Moriarty, chief executive of the CAA, said it had launched "what is effectively one of the UK's largest airlines" in order to repatriate British holidaymakers.He said: "News of Thomas Cook's collapse is deeply saddening for the company's employees and customers, and we appreciate that more than 150,000 people currently abroad will be anxious about how they will now return to the UK. "The government has asked us to support Thomas Cook customers on what is the UK's largest ever peacetime repatriation. "We have launched, at very short notice, what is effectively one of the UK's largest airlines, involving a fleet of aircraft secured from around the world. The nature and scale of the operation means that unfortunately some disruption will be inevitable. We ask customers to bear with us as we work around the clock to bring them home. "We urge anyone affected by this news to check our dedicated website, thomascook.caa.co.uk, for advice and information." 2:38AM Operation begins to bring home holidaymakers The Civil Aviation Authority (CAA) said the Government had asked it to launch a repatriation programme over the next two weeks, starting on Monday and running to Sunday 6 October, to bring Thomas Cook customers back to the UK. The CAA statement said: "Due to the unprecedented number of UK customers currently overseas who are affected by the situation, the Civil Aviation Authority has secured a fleet of aircraft from around the world to bring passengers back to the UK with return flights. "Passengers in a small number of destinations may return on alternative commercial flights, rather than directly through the Civil Aviation Authority's flying programme. Details and advice for these passengers are available on the dedicated website. "Due to the significant scale of the situation, some disruption is inevitable, but the Civil Aviation Authority will endeavour to get people home as close as possible to their planned dates. This will apply to both Atol protected passengers and those who are not protected. "Customers currently overseas should not travel to the airport until their flight back to the UK has been confirmed on the dedicated website. "Thomas Cook customers in the UK yet to travel should not go to the airport as all flights leaving the UK have been cancelled." 2:30AM Thomas Cook collapses Good morning. All eyes are on Thomas Cook this morning after the travel operator collapsed in the early hours of Monday.  Thomas Cook has collapsed, a failure that will likely consign the most iconic name in world travel to the annals of history. The Government and the Civil Aviation Authority (CAA) have launched Britain’s biggest peacetime repatriation of customers. The CAA said the tour operator has "ceased trading with immediate effect". "All Thomas Cook bookings, including flights and holidays, have now been cancelled," it added.

September 23, 2019 at 12:02PM via IFTTT

[theshadowytastemakerstuden-blog1]

Employee Benefits in China Insight 2019 | Development Research and Survey

Employee Benefits in China 2019

China is the worlds largest country, based on population. Despite being the second-largest economy in terms of nominal GDP and purchasing power parity after the US, its development is not uniform. Chinas social security system includes various types of social insurance schemes, and social assistance and supplementary schemes. The Ministry of Human Resources and Social Security (MHRSS), which administers the Social Insurance Law, is the apex body responsible for effective functioning of the countrys social security system. As most social security schemes do not meet employees requirements, several private companies offer voluntary supplementary schemes.

Get Free PDF Sample of the Report at: https://www.researchmoz.us/enquiry.php?type=S&repid=1960966

The report provides in-depth industry analysis, information and insights of the employee benefits in China, including: overview of the state and compulsory benefits in China, detailed information about the private benefits in China, insights on various central institutions responsible for the administration of the different branches of social security and the regulatory framework of the employee benefits in China.

Key Highlights

– The Chinese social security system is under a process, with an aim to unify the social security and benefit systems. – The Ministry of Human Resources and Social Security (MHRSS), which administers the Social Insurance Law, is the apex body responsible for effective functioning of the countrys social security system. – Achieving universal social insurance cover is an important current policy priority of the Chinese government, which aims to achieve universal cover of basic social security insurance by 2020. – While the employer as well as the employee establishes the contributions for basic pension, basic medical and unemployment benefits, work-related injury, and child-bearing insurance premiums are the sole responsibility of the employer.

Make an Enquiry at: https://www.researchmoz.us/enquiry.php?type=E&repid=1960966

Scope

– This report provides a detailed analysis of employee benefits in China. – It offers a detailed analysis of the key government-sponsored employee benefits, along with private benefits – It covers an exhaustive list of employee benefits, including retirement benefits, death in service, long-term disability benefits, medical benefits, workmen’s compensation insurance, maternity and paternity benefits, family benefits, unemployment, leave and private benefits – It highlights the economic and regulatory situations relating to employee benefits in China.

Reasons to buy

– Make strategic decisions using in-depth information related to employee benefits in China. – Assess Chinese employee benefits market, including state and compulsory benefits and private benefits. – Gain insights into the key employee benefit schemes offered by private employers in China. – Gain insights into key organizations governing Chinese employee benefits, and their impact on companies.

About ResearchMoz ResearchMoz is the one stop online destination to find and buy market research reports & Industry Analysis. We fulfill all your research needs spanning across industry verticals with our huge collection of market research reports. We provide our services to all sizes of organizations and across all industry verticals and markets. Our Research Coordinators have in-depth knowledge of reports as well as publishers and will assist you in making an informed decision by giving you unbiased and deep insights on which reports will satisfy your needs at the best price.

For More Information Kindly Contact: ResearchMoz Mr. Nachiket Ghumare, Tel: +1-518-621-2074 USA-Canada Toll Free: 866-997-4948 Website: https://www.researchmoz.us Email: sales@researchmoz.us Blog: https://blogreportstudy.blogspot.com/

[sandlerresearch]

Employee Benefits in Sweden 2021 published on

https://www.sandlerresearch.org/employee-benefits-in-sweden-2021.html

Employee Benefits in Sweden 2021

Employee Benefits in Sweden 2021

Summary

The Swedish social security system is an integral part of the country’s welfare system and is classified into two types: the universal and social insurance system (old system) and unified social insurance, and the individual notional and mandatory individual accounts system (new system), which was established in 1999. The new insurance system covers persons born in or after 1954, while individuals born in or before 1937 are covered by the old system. Except for the earnings-related part of unemployment insurance, the social security regime is compulsory and covers everyone who lives or works in Sweden. To access all these social benefits, an individual requires a personnummer (a Swedish personal identity number) from the Swedish Tax Agency and must register with the Försäkringskassan (Swedish Social Insurance Agency) for a social security number

The report provides in-depth industry analysis, information and insights of the employee benefits in Sweden, including: overview of the state and compulsory benefits in Sweden, detailed information about the private benefits in Sweden, insights on various central institutions responsible for the administration of the different branches of social security and the regulatory framework of the employee benefits in Sweden.

Key Highlights

– The compulsory general social security system in Sweden covers everyone who is a resident or working in the country. – Försäkringskassan (Swedish Social Insurance Agency): This government agency administers social insurance, excluding old-age and survivors’ pensions, and ensures that insured persons receive benefits and allowances based on their eligibility – Pensionsmyndigheten (Swedish Pensions Agency): This agency is responsible for the Swedish national pension system, and the administration of old-age and survivors’ pensions – Employees in Sweden can avail of voluntary retirement benefits through four types of occupational pensions available under Pillar II

Scope

This report provides a detailed analysis of employee benefits in Sweden – – It offers a detailed analysis of the key government-sponsored employee benefits, along with private benefits – It covers an exhaustive list of employee benefits, including retirement benefits, death in service, long-term disability benefits, medical benefits, workmen’s compensation insurance, maternity and paternity benefits, family benefits, unemployment, leave and private benefits – It highlights the economic and regulatory situations relating to employee benefits in Sweden

Reasons to Buy

– Make strategic decisions using in-depth information related to employee benefits in Sweden. – Assess Sweden’s employee benefits market, including state and compulsory benefits and private benefits. – Gain insights into the key employee benefit schemes offered by private employers in Sweden. – Gain insights into key organizations governing Sweden’s employee benefits, and their impact on companies.

[mantriapartment-blog]

20 Myths About Mantri Vantage Price

New Bookings symbolize major purchases i.e. buy is completed straight from a builder or his official channel associate. Because the Prime Minister himself has reiterated many instances, the mass opening of financial institution accounts underneath the Pradhan Mantri Jan-Dhan Yojana is a means in the direction of financial inclusion, but Mantri Vantage Price in reverse: it channels private income (wages/money transfers) to monetary markets by way of insurance coverage and pension schemes such as the Pradhan Mantri Suraksha Bima Yojana and Atal Pension Yojana.Mantri Webcity is designed protecting in thoughts the millennial inhabitants and their penchant for leading edge expertise. Trick tasks in the area embody Pegasus Properties Mystic, Viacom Celandine and Mantri Vantage Pune.

  Offering tranquillity, splendour and class past compare, it is supported by the architectural experience honed by years of Mantri Developers's experience. Hebbal Railway Station, Bangalore East Railway Station, Banasawadi Railway Station and Kodigehalli Railway Station are situated at close to Mantri Lithos. Domestically though, it will proceed to concentrate on residential, retail, workplace, hospitality, townships and academic institutions within the Kharadi Mantri Vantage Amenities high-development urban centres comparable to Bengaluru, Chennai, Hyderabad and Pune. Proximo gives you one free store location to focus on from, additonal stores are part of the paid plan While you get you account, go ahead and go to the Proximo Person Information which is able to present you every a part of the product and find out how to successfully generate new sales to your stores.

Ltd, one of many leading real estate builders in India, identified for innovation and quality, introduced the launch of Mantri Serene adjoining the Periay Eri, on the Pallavaram - Thoraipakkam Radial Highway,Pallavaram, a small residential township positioned 5 km from Chennai Airport. Mantri S.E.V.A. organized a clothes donation Mantri Vantage Kharadi Amenities drive in affiliation with RK Basis, a well known national NGO, which is working in the direction of channelization of used sources to needy folks. Mantri Serene, an ongoing residential development by Mantri Developer is situated in Pallavaram, Chennai South. If you're planning to choose finest residential resolution on this metropolis; then you need to take a look at Mantri Vantage; it is likely one of the most tasty under construction residential tasks in Pune.

  The bottom value band is INR 4750 /SFT to INR 5250 /SFT The final base value shall be determined upon closure of the EoI acceptance window, but earlier than the initiation of allotment. LGCL Group presents LGCL Luxuriate with 2 BHK flats in HSR Format, Bangalore.Mantri Vantage Inventors in Pune cheap housing projects not just set you again much less, but they likewise supply kicked back way Kharadi Mantri Vantage of life and recreation options. Mantri Vantage Kharadi Initiatives throughout Pune will be quiet of numerous landforms pet canine for the reason that water with time. Mantri Developers is without doubt one of the few real property companies in south India to tap into the digital forum. To profit from your search Apartment Mantri it's possible you'll try the next key words Condo Mantri, Home Mantri, Land Mantri. The precise Mantri Builders Mantri Vantage of Pune will be the status for elite as well as comforts.

  Mantri S.E.V.A, along with Samiksha Basis, an NGO that takes care and provides education to the most cancers affected children, organized an entertaining and enjoyable crammed day for near a hundred youngsters, affected by most cancers at the Kapur ward of the Kidwai Memorial Institute of Oncology. Designed round Spanish colonial architecture, Mantri Espana Mantri Vantage In Kharadi Area unifies the Mediterranean type with trendy design-patterned arches, tiled courtyards, red roof and terraces along with expansive home windows and open area. Mantri Developers labored towards restoring quite a few parks in and around Bengaluru. Providing amenities and sustaining all these in evry undertaking is trademark high quality of Mantri Constructions.

[weblistposting-blog]

New Post has been published on Weblistposting

New Post has been published on https://weblistposting.com/settling-epf-claims-through-mobile-telephone-to-be-a-reality-quickly/

Settling EPF claims through mobile telephone to be a reality quickly

Almost four core contributors of retirement fund body EPFO will quickly be capable of settling their claims like EPF withdrawal through mobile application UMANG.

“The Personnel’ Provident Fund Company (EPFO) is developing online claims settlement technique by way of receiving the application online,” Labour Minister Bandaru Dattatreya stated in a written reply to the Lok Sabha.

The minister additionally stated, “The software may be integrated with Unified cellular App for brand new-age governance, (UMANG) App, to get hold of the claims on-line. But, the timeframe to roll out the identical has no longer been finalized.”

The EPFO receives close to 1 crore packages manually for agreement of EPF withdrawals, pension fixation or getting organization insurance benefit via the deceased.

A senior authentic stated over a hundred and ten nearby places of work of the EPFO out of 123 field formations have already been linked with the vital server. The authentic defined that it’s far a technical requirement for connecting all local places of work with the imperative server for rolling out the facility.

The EPFO has an ambitious plan to settle the claims within a few hours after filing of the utility. For example, it has plans to settle the EPF withdrawal declare inside three hours of the filing.

As consistent with the scheme, the EPFO is required to settle all claims inside 20 days from submitting of the utility for settlement of pension or EPF withdrawal.

The minister additionally advised the Residence that the EPFO has engaged the Centre for Improvement of Advanced Computing (C-DAC), Pune, as its technical representative to upgrade its technology and the frame is putting in the latest device at its three critical records centers in Delhi, Gurugram, and Secunderabad.

A reliable pointed out the requirement of seeding Aadhaar and financial institution accounts with the Customary (PF) Account Wide variety (UAN) for settling EPFO declare on line.

In a separate respond to the Residence, the minister said that out of the three.76 crore contributing participants as on March 31, 2016, as many as 1.sixty eight crores have connected their Aadhaar numbers with UAN.

Expertise cell Phones

Blessings of Constant mobile Convergence

There are 3 types of savings an Agency could make from a convergent answer: call fees, infrastructure, and productiveness.

financial savings added via convergence

Even though name fee savings are the easiest to a degree, they offer the least scale for financial savings. Greater Benefits may be derived thru infrastructure efficiencies and productiveness.

Infrastructure financial savings are introduced through Fixed-line substitute techniques and inexperienced subject website online deployments. This influences the CAPEX and ongoing OPEX requirements of proudly owning a fixed and cellular fleet.

productivity and progressed enterprise techniques, even as imparting the greatest opportunity for enterprises to derive Blessings from convergence, also are the toughest to quantify. For example, at the same time as a converged voicemail solution may additionally keep a worker five mins of effort a day, the real advantage won’t immediately be derived via having an additional five mins for ‘productive’ work. The Blessings may additionally, in reality, be added to purchaser pleasure and repeat business because of progressed response times. However, most agencies now degree consumer satisfaction as a key performance indicator. Therefore, the increase in productiveness and capability technique re-engineering which may be finished could have an effective impact on consumer pride ranges.

Advantages consist of

Extending Fixed line call features to cell handsets Decreasing name fees Improving the responsiveness of the enterprise Handing over control – As an instance, for compliance with FSA rules Decreasing duplication Ease of extending capability Improving productiveness Using converged answers additionally, allows the team of workers to be Extra productive thru functions which include mobile get entry to direct dial extensions and conferencing. Employees are able to respond quicker to voicemails and benefit from reduced cellphone tag as they’re able to solution More calls the the first time. Precise productivity gains are illustrated by way of the subsequent examples:

Specialists inside a Healthcare Consulting company executed a ten to 15% productiveness benefit as a result of decreased telephone tag.

Carers at a Home Care Services company performed time savings of 60 minutes every day consistent with employee due to fewer voicemails, Greater calls spoke back the first time and reduced telephone tag.

A specialist call center inside a Journey Insurance company treated 25% Greater calls as an instantaneous result of expanded responsiveness of workforce.

A University achieved one hour time-saving in line with a day for IT aid staff, minimizing delays in attaining colleagues to issue activity instructions or clear up troubles.

inside a Sanatorium, nurses have been capable of keep as a minimum 10 minutes each time they retrieved patient consequences, by means of being able to access and test results regardless of location in the Medical institution. productivity Benefits can be especially difficult to quantify and are nice addressed on a character basis. However, financial savings can be discovered by way of calculating, For example, the Number of minutes stored in line with day via improved communications and enterprise techniques (e.G. Time wasted unnecessarily traveling workplace to select up table primarily based voicemails or job schedules). In addition, the potential to rapidly and continually solution inquiries and customer calls can make sure that a customer is received and maintained attributable to a higher standard of the provider.

Despite the fact that Greater hard to a degree, studies has proven that softer Advantages can result in quantifiable sales, purchaser pride, customer retention, and work charge or price saving improvements for enterprises.

One easy solution is a characteristic rich business SIM allowing Voice, SMS & information 3G and HSDPA whilst roaming. This cellular SIM offers the business with complete manage over calls and texts, both nationally at the hosted community and while Roaming. Similarly, the SIM affords connectivity to described personal cellular networks and get admission to a common center for software activation.

The mobile is more desirable by using supplying quick code dialing to different extensions in the enterprise and assist for the equal feature dialing supplied on Constant line handsets, enhancing utility integration.

Quantity Portability

The MNO or MVNO gives for Range portability and guarantees that users can maintain their current telephone numbers and avoids any disruption to the dialing enjoy for the stop person; no person education is required.

statistics aid.

Ideally the network completely helps facts options providing internet and mail connections. access Point Names ( APNs) are provided for network supported applications which include Push-to-Talk (PTT

Roaming

Subscribers clearly anticipate the equal service abilities whilst journeying abroad as they do when registered onto their Home network. We aim to avoid complicated techniques to make a call whilst ensuring subscribers can use their account while roaming the world over. Preferably, they want that allows you to dial directly from their mobile contacts listing while not having to edit numbers as a way to specify the correct country code.

CAMEL Customised programs for mobile community more suitable Logic guide means that, so long as the global network supports CAMEL, the user dials as regular. while CAMEL is supported, we will assure an unbroken pay as you go roaming revel in. prices are, typically, much less than normal name rates and this answer guarantees call recording as required for FSA compliance is still added even as traveling in CAMEL international locations.

CAMEL name Lower back This answers means that the caller makes a call as regular and the decision is directed to the platform. the call then drops for a quick duration. The platform then right now earrings Again each the caller and the destination Range and connects the 2 events. This solution is CAMEL dependent and ensures a decrease call fee however it also incurs a slightly longer connection time.

Roaming will allow connection even if no CAMEL community is to be had. the call is remodeled the local macro network selected for the strongest network sign inside the vicinity. name charges are at the standard u. S . charges. This solution guarantees connection, however, will not ensure call recording within FSA regulations and will, doubtlessly, incur the best name price.

Landline Range within the SIM

The SIMs can help each cell and landline numbers which permit a cellular telephone to host both a trendy landline DDI (Quantity) and a mobile Wide variety simultaneously.

Desire of Handset

It’ll help an extensive variety of handset fashions and, consider the fact that it’s miles unbiased of Smartphone running structures, it’s far unaffected with the aid of working device changes.

brief Code Dialling

as a result of the call routing presentation on the PBX or hosted records center switch, short code dialing and characteristic dialing (i.E. Quantity tagging to request a characteristic or software assist together with report/do not report or the identity of personal calls), are supported.

value Saving

Disposing of commercial enterprise charges mobile smartphone software programs increase a number of management, cost and assist troubles for commercial enterprise. Moreover, it’s miles feasible for cellular packages to be bypassed, despite the fact that this calls for the cell smartphone to be rebooted. All programs are brought and supported centrally from the core; there is no want for guide on the character handsets, all that is needed is a brand new SIM card.

financial savings on mobile charges

The outbound call leg is beneath the manipulate of the business and could, normally, be configured to keep away from cellular community Operator (MNO) expenses for countrywide and international calls. Calls, at the discretion of the business, can be located:

FOC over internal, countrywide and global commercial enterprise networks if they continue to be on-net or at land line contract fees for off-net calls over PSTN or the enterprise’s chosen provider Inbound calls to mobiles are provided on the PBX and acquire a proportion of the Media Termination Credits (a credit to the SIM) paid to the cellular community In addition this could offer extensive savings, in extra of 70%, on global roaming expenses. That is furnished via:

Use of expert mobile operator name Again reduced costs as the outbound call leg is under the manage of business software Integration from the center

Will course all calls and messages (SMS) to a commonplace middle for switching. This not unusual core can also course calls or messages to or via an utility platform which, in turn, will prompt the required provider for that name or message. This permits Fixed and cellular calls and messaging to apply a commonplace packages platform and, for the primary time, ensures that the commercial enterprise requirements are met with out requiring programs on cell Telephones.

Third Party commercial enterprise programs

The common middle provides a rich ability for application integration. The capacity to deal quick codes will permit an incorporated software to be activated with the dialled digits feeding the utility, warding off the need for the consumer to enter extra digits. For example, a time registration for, say, Time and Attendance or flex time recording or for safety team of workers arriving at a vicinity might dial a number which suggests the software and the vicinity – the Calling line Identity can discover the caller – all completed in one call.

Push-to-Communicate (PTT) PTT is a cell application enabling cell Phones for use like non-public mobile Radios (PMR) however with Greater Choice of devices, together with ruggedized Phones. PTT is a Hosted service but available domestically with a private cellular community. PTT additionally gives for Health & Protection Lone Employee requirements with the capability to discover the use of SMS and GPRS.

person packages

help for a extensive style of person associated programs supplying inbound call control, mail and business services for the person. Which means these services are to be had from both Constant line and mobile handsets.

Shrewd Range (iN) Sensible Wide variety supports private numbering, offering the person the flexibility to pick to supply their calls to any nominated Variety that can be dialled, consisting of international numbers. This gives a complete method for decent-desking, in addition to assisting commercial enterprise continuity / disaster recuperation.

IN helps way of life management, offering name redirection while no longer to be had (e.G. Switched off), or with the aid of date and time, plus the capability to be notified of people trying to make touch via SMS and e mail notification.

within the event that the person known as can’t be contacted, the call may be offered to an assistant or group (e.G. sales team) for answering. The ‘Assistant’ may have announced the authentic called Party and, if recognised, the motive for non-answer, with a purpose to answer the caller correctly. This carrier additionally offers for manager-secretary operating.

[universeinform-blog]

India's Aadhaar Scheme Is Like A New Internet Being Built: Foreign Media

New Post has been published on https://universeinform.com/2017/03/18/indias-aadhaar-scheme-is-like-a-new-internet-being-built-foreign-media/

India's Aadhaar Scheme Is Like A New Internet Being Built: Foreign Media

A brand new net is being built: it has 1.1 billion customers, a third of the world extensive internet. Indian banks are going for walks transactions on it and Microsoft has embedded it into Skype.

The biometric identifier software Aadhaar — or “foundation” in Hindi — has taken on lifestyles of its personal, authenticating loans and activity seekers, pensions and money transfers throughout India. And final week’s landslide country election win ought to embolden Top Minister Narendra Modi to push Aadhaar beyond its early fee-saving intention, at the same time as questions are raised approximately the safety of its facts and the proliferation of private organizations seeking to make the most of the statistics it shops.e aadhaar card download

Other international locations are also searching for similar packages, however, research suggests it is great to increase one standardized system so human beings can carry their IDs anywhere they cross within the world, said Paul Romer, chief economist at the sector Financial institution.

The machine in India is the maximum state-of-the-art that I’ve seen,” Romer said. “it is the basis for all sorts of connections that involve things like monetary transactions. It could be correct for the arena if this has become broadly adopted.”

Identity is the first step to gaining access to services which include health and training in a world where 1.five billion humans can not show who they may be. The United State’s Sustainable Improvement Goals intention to provide legal IDs to all by means of 2030, triggering the introduction of a number of structures that offer fundamental rights to citizens of poorer international locations at the same time as allowing the ones in the advanced global granular manage over their digital statistics, inclusive of faculty or scientific statistics, and streamlining immigration.

Fingerprints, Iris Scans

An ambitious government-run mission — just like the internet at the time of its advent many years ago — Aadhaar started out in 2009 to target bills to the poor across India’s vast hinterland.

Different governments are already interested in its capability. nations including Tanzania, Afghanistan, and Bangladesh have visited India to speak approximately the machine, stated Nandan Nilekani, billionaire co-founding father of the technology employer Infosys Ltd. and former chairman of the Unique Identity Authority of India, who created Aadhaar. Russia, Morocco, Algeria and Tunisia have also indicated their interest in Aadhaar, R.S. Sharma, chairman of the telecom regulatory authority of India, told the Mint newspaper in July 2016.

They’re all eager to look how they could replicate this of their countries,” Nilekani stated by cellphone. “That is a tremendous example of ways governments can build the maximum modern-day virtual public infrastructure, and make it available to a public properly to everyone.”

In its international Improvement File 2016, the sector Bank stated: “a digital Identity gadget which includes India’s Aadhaar, through overcoming complex data issues, allows willing governments to sell the inclusion of disadvantaged organizations.”

Here’s how it works: a unique 12-digit variety is assigned to Indian citizens, subsidized by using biometrics consisting of fingerprint and iris scans stored in a significant database. If a character desires to open a Bank account or buy a cell SIM card, they want to offer their Aadhaar wide variety and area their finger on a scanner. This action permits the Bank or software to invite the Aadhaar database to verify their credentials.

Earlier, a sheaf of documents was needed as proof of Identity, a tough venture in a country of 1.3 billion wherein forty percentage are not registered at the start and 30 percent can’t even study or write their very own name.

Approximately 99 percent of adult Indians hold an Aadhaar I’d that hyperlinks to a few 84 authorities offerings, for you to quickly consist of the whole of India’s food distribution machine, the world’s largest welfare application. The Aadhaar is saving Modi’s administration about $2 billion a year and this may upward push to $7 billion with the aid of March 2018, or 0.35 percent of the gross home product, according to analyze firm CLSA.

Getting Educated on India’s Aadhaar Card: Why and how

Supplying identity evidence in India isn’t always a matter to be taken lightly. Legitimacy can be frequently proven via numerous cards, relying on the state of affairs. Together with the passport and the Indian driving license, an individual might also prove their legitimacy the usage of an earnings tax pan card.

So far, there had been numerous playing cards utilized in distinct

circumstances. Subsequently, Indian authorities have thought about a more unifying approach – an all-cause social identification document or evidence, for use universally. This is how the Aadhaar Undertaking has come into being. Created by way of the Authorities, the Undertaking aimed to establish a completely unique way to prove the social identity of all Indian residents.

The UID or Aadhaar Card was accordingly released. Each piece is inscribed with a unique collection of 12 digits to assist pick out a man or woman. The biometric characteristic allows gathering records on bodily functions which are distinctive from one person to every other, together with fingerprints or iris. In addition, the generation additionally uses DNA, plus hand and facial features to differentiate among individuals. Even the voice may be protected.

This approach does not remove the need for a photo of the individual to prove their identification. At this factor, citizens also can be diagnosed the use of their passport or motive force’s license. The government nevertheless depend upon these documents.

  Maximize Excessive Speed Net Ability With Those Suggestions

Most of us are dependent on our connection to the Net. Many use it for social media and news, some of us use it for paintings, and anyone uses it leisure. Consequently, it is not most effective irritating however also can be debilitating when previously High-Velocity Net starts to falter. These Tips will assist guarantee green connections for the duration of all tiers of the manner, from the set as much as troubleshooting.

Do in-depth research on enterprise offers. There are numerous factors to bear in mind when selecting the high-quality plan,

Such as supported gadgets, customers, and video streaming desires. A frequently not noted difficulty is the size of a residence. Large houses with lots of walls or other obstructions would require a more effective High-Velocity Net carrier.

No matter how appropriate the modem is a terrible router can wreck the entirety. Spend money on a good router with robust reviews in boosting ability and consistent connections to get the Most out of Excessive Velocity Net.

Once in a while the solution is so easy is appears improbable. Free cables, gathered dirt, and overheating can all result in bad connections. All technological system should be stored in a controlled, easy surroundings to maintain the relationship robustly. A c084d04ddacadd4b971ae3d98fecfb2a booster can also help enlarge the variety of the router.

Relaxed the community to forestall nosy neighbors from hopping on the community and slowing it down. Maximum agencies encourage private passwords after they deploy the High-Velocity Internet, but they may be installation after set up.

Smooth up the browser, which includes records, cookies, and vintage tabs. None of these elements will substantially affect the speed, however, the collection of information can build up and slow down the Internet step by step.

The slowing down method is exacerbated while coupled with an epidemic or malware. Hopefully, a very good antivirus application will make sure that is by no means a problem. Even then, it is crucial to put in updates for the antivirus software as they end up available, as viruses are constantly adapting too. To be safe, full laptop scans with anti-malware applications can pinpoint suspicious applications and help the consumer get rid of them.

Guidelines For Massaging Infants Who Do not Like Being Massaged

My aim is to create Happy Babies thru rub down but of the path now not all Babies lie there cooing as you lovingly perform infant rub down techniques on them. From going for walks instructions and coaching loads of dad and mom and Toddlers it is not unusual at all for Toddlers to howl indignantly at the first signal of the rubdown, and the worst element you may do is grit your enamel and keep on – you run the threat of creating a poor association of their minds. So I have written this brief article to help the one’s moms with Babies who Don’t like being massaged.

So why trouble? Sincerely if the baby doesn’t love it, just Do not do it? Properly of the route this is an alternative but while you don’t forget all the superb advantages of infant massage it’s far well worth trying some of the ideas discussed here.

 Set the Scene

Consider the surroundings and your infant. Is it warm, calm, quiet? A touchy child being undressed in a draughty church corridor with six other Toddlers when they may be used to quiet, peaceful days at home simply the 2 of you, is in all likelihood to protest. A few Toddlers love the social interaction of being with different Toddlers and being in a new, stimulating environment, and A few Do not. Reflect consideration on that you child is and set the scene accordingly. Choose a smaller elegance, in a warmer environment, or get a DVD or download and practice at home.

 Dress (and undress) Accurately

If you are going to a class or doing the habitual at home, Get dressed your toddler in loose, secure garments. Sleep fits are ideal. Tugging and pulling clothes off a toddler may be a piece stressful for them so make things as easy as possible for each of you. Undress them slowly and gently, with lots of positive encouragement to cause them to sense Satisfied and comfy. A prime trouble with small Toddlers is they experience insecure when naked (Don’t we all?!) so bear this in mind. Vicinity a muslin or blanket over the parts of the body that aren’t being massaged. This prevents them getting cold and increases their emotions of protection, so until your child is one that likes to be naked at any possibility (mine had been, and albeit still are) this is a superb method.

Reflect consideration on your very own messages (you do take into account them proper

A long, long term in the past…) and how you are draped with towels and only the segment you are having massaged is exposed. For newborns, temperature law could be very essential so I might advocate massaging inside the domestic for the primary few weeks. For the child who points clean refuses to be undressed, fortunately, or the discern who need to rub down without getting involved with oil (even as out and about for example) its miles cute to rub down through the garments. A single layer is an exceptional and mild effleurage to the returned and legs even as being help upright to the shoulder could be very calming and soothing – I imagine you do that certainly anyway so that you are already practicing toddler rub down every day! If they’re now not Satisfied mendacity flat at the ground sit along with your returned supported and allow them to lie to your knees, that way they can see you higher too.

[sandlerresearch]

Employee Benefits in Sweden 2020 published on

https://www.sandlerresearch.org/employee-benefits-in-sweden-2020.html

Employee Benefits in Sweden 2020

Employee Benefits in Sweden 2020

Summary

The Swedish social security system is an integral part of the country’s welfare system and is classified into two types: the universal and social insurance system (old system) and unified social insurance, and the individual notional and mandatory individual accounts system (new system), which was established in 1999. The new insurance system covers persons born in or after 1954, while individuals born in or before 1937 are covered by the old system. With the exception of the earnings-related part of unemployment insurance, the social security regime is compulsory and covers everyone who lives or works in Sweden. To access all these social benefits, an individual requires a personnummer (a Swedish personal identity number) from the Swedish Tax Agency and must register with the Försäkringskassan (Swedish Social Insurance Agency) for a social security number

The report provides in-depth industry analysis, information and insights of the employee benefits in Sweden, including: overview of the state and compulsory benefits in Sweden, detailed information about the private benefits in Sweden, insights on various central institutions responsible for the administration of the different branches of social security and the regulatory framework of the employee benefits in Sweden.

Key Highlights

– There are various central institutions that are responsible for the functioning of the overall social security system. – The compulsory general social security system in Sweden covers everyone who is a resident or working in the country – Old-age and survivor’s pensions, disability benefits, healthcare, sickness benefits, unemployment benefits, maternity benefits, insurance against accidents at work and occupational diseases, and family benefits are the main state and compulsory benefits, which are ineffective in Sweden. – In addition to the mandatory contributions to the statutory pension scheme, the majority of employers in Sweden provide supplementary Occupation Pension plans.

Scope

This report provides a detailed analysis of employee benefits in Sweden – – It offers a detailed analysis of the key government-sponsored employee benefits, along with private benefits – It covers an exhaustive list of employee benefits, including retirement benefits, death in service, long-term disability benefits, medical benefits, workmen’s compensation insurance, maternity and paternity benefits, family benefits, unemployment, leave and private benefits – It highlights the economic and regulatory situations relating to employee benefits in Sweden

Reasons to Buy

– Make strategic decisions using in-depth information related to employee benefits in Sweden. – Assess Sweden’s employee benefits market, including state and compulsory benefits and private benefits. – Gain insights into the key employee benefit schemes offered by private employers in Sweden. – Gain insights into key organizations governing Sweden’s employee benefits, and their impact on companies.